Home > Millbury National Bank > Performance and Condition Ratios
Millbury National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9702% | 661 |
| Cost of funding earning assets | 1.8919% | 1,082 |
| Net interest margin | 4.0783% | 1,094 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 3.6220% | 493 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3193% | 3,997 |
| Return on assets (ROA) | 0.2934% | 4,036 |
| Pretax return on assets | 0.4027% | 3,962 |
| Return on Equity (ROE) | 3.3700% | 3,969 |
| Retained earnings to average equity (ytd only) | 1.5700% | 3,689 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.9852% | 448 |
| Assets per employee ($millions) | 5.4283% | 3,310 |
| Cash dividends to net income (ytd only)* | 53.3724% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 4,119 |
| Loan loss allowance to noncurrent loans | 248.5714% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 2,198 |
| Noncurrent loans to loans | 0.2836% | 2,169 |
| Net loans and leases to total assets | 71.8300% | 1,601 |
| Net loans and leases to deposits | 87.6718% | 1,469 |
| Net loans and leases to core deposits | 92.3218% | 1,883 |
| Total domestic deposits to total assets | 81.9300% | 3,137 |
| Equity capital to assets | 8.9288% | 2,719 |
| Core capital (leverage) ratio | 9.9304% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8477% | 1,307 |
| Memoranda: | ||
| Average total assets | $116,207,800 | 3,693 |
| Average earning assets | $111,738,000 | 3,630 |
| Average equity | $10,127,200 | 3,707 |
| Average total loans | $82,209,800 | 3,378 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8168% | 667 |
| Cost of funding earning assets | 1.6720% | 1,232 |
| Net interest margin | 4.1447% | 999 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 3.6509% | 465 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.3489% | 4,052 |
| Return on assets (ROA) | 0.3143% | 4,102 |
| Pretax return on assets | 0.4263% | 4,025 |
| Return on Equity (ROE) | 3.6300% | 4,026 |
| Retained earnings to average equity (ytd only) | 1.2008% | 3,904 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.2189% | 434 |
| Assets per employee ($millions) | 5.3195% | 3,334 |
| Cash dividends to net income (ytd only)* | 66.9118% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7337% | 4,092 |
| Loan loss allowance to noncurrent loans | 196.7638% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 1,944 |
| Noncurrent loans to loans | 0.3729% | 1,897 |
| Net loans and leases to total assets | 70.2900% | 1,792 |
| Net loans and leases to deposits | 82.9075% | 1,833 |
| Net loans and leases to core deposits | 92.0346% | 1,793 |
| Total domestic deposits to total assets | 84.7800% | 2,570 |
| Equity capital to assets | 8.5294% | 2,711 |
| Core capital (leverage) ratio | 9.9613% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2179% | 1,265 |
| Memoranda: | ||
| Average total assets | $115,404,000 | 3,703 |
| Average earning assets | $111,238,500 | 3,646 |
| Average equity | $9,993,250 | 3,724 |
| Average total loans | $81,165,250 | 3,398 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6605% | 675 |
| Cost of funding earning assets | 1.3853% | 1,488 |
| Net interest margin | 4.2752% | 840 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 3.6740% | 450 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4232% | 3,960 |
| Return on assets (ROA) | 0.3709% | 4,070 |
| Pretax return on assets | 0.4980% | 3,967 |
| Return on Equity (ROE) | 4.2600% | 3,992 |
| Retained earnings to average equity (ytd only) | 1.9006% | 3,742 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.2986% | 485 |
| Assets per employee ($millions) | 5.8159% | 2,871 |
| Cash dividends to net income (ytd only)* | 55.3991% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 4,129 |
| Loan loss allowance to noncurrent loans | 2,520.8333% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 3,621 |
| Noncurrent loans to loans | 0.0290% | 3,548 |
| Net loans and leases to total assets | 70.6300% | 1,675 |
| Net loans and leases to deposits | 83.5568% | 1,711 |
| Net loans and leases to core deposits | 93.7349% | 1,582 |
| Total domestic deposits to total assets | 84.5300% | 2,681 |
| Equity capital to assets | 8.6367% | 2,755 |
| Core capital (leverage) ratio | 10.2429% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1496% | 1,286 |
| Memoranda: | ||
| Average total assets | $114,862,000 | 3,725 |
| Average earning assets | $110,731,667 | 3,665 |
| Average equity | $9,997,000 | 3,743 |
| Average total loans | $80,599,333 | 3,406 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 856 |
| Cost of funding earning assets | 1.1234% | 1,684 |
| Net interest margin | 4.1482% | 1,034 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 3.6904% | 446 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.3329% | 4,201 |
| Return on assets (ROA) | 0.3329% | 4,159 |
| Pretax return on assets | 0.4171% | 4,109 |
| Return on Equity (ROE) | 3.8100% | 4,068 |
| Retained earnings to average equity (ytd only) | -0.9225% | 4,117 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.2373% | 379 |
| Assets per employee ($millions) | 5.7019% | 3,026 |
| Cash dividends to net income (ytd only)* | 124.2105% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 4,175 |
| Loan loss allowance to noncurrent loans | 88.5463% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 853 |
| Noncurrent loans to loans | 0.8485% | 902 |
| Net loans and leases to total assets | 69.8500% | 1,640 |
| Net loans and leases to deposits | 82.2413% | 1,636 |
| Net loans and leases to core deposits | 90.0198% | 1,613 |
| Total domestic deposits to total assets | 84.9300% | 2,876 |
| Equity capital to assets | 8.8374% | 2,641 |
| Core capital (leverage) ratio | 10.3201% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0921% | 1,351 |
| Memoranda: | ||
| Average total assets | $114,134,000 | 3,779 |
| Average earning assets | $110,024,000 | 3,721 |
| Average equity | $9,972,500 | 3,790 |
| Average total loans | $79,520,000 | 3,460 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 528 |
| Cost of funding earning assets | 0.3956% | 2,143 |
| Net interest margin | 4.2885% | 439 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 3.3639% | 570 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8626% | 3,107 |
| Return on assets (ROA) | 0.7809% | 3,327 |
| Pretax return on assets | 1.0982% | 2,776 |
| Return on Equity (ROE) | 9.0700% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.8562% | 1,895 |
| Net charge-offs to loans | 0.0077% | 2,109 |
| Credit loss provision to net charge-offs | 200.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 230.5000% | 581 |
| Efficiency ratio | 73.5108% | 1,265 |
| Assets per employee ($millions) | 5.7115% | 3,020 |
| Cash dividends to net income (ytd only)* | 13.3558% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 4,126 |
| Loan loss allowance to noncurrent loans | 2,479.1667% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,636 |
| Noncurrent loans to loans | 0.0305% | 3,566 |
| Net loans and leases to total assets | 68.4500% | 1,795 |
| Net loans and leases to deposits | 78.9331% | 1,854 |
| Net loans and leases to core deposits | 85.3134% | 1,794 |
| Total domestic deposits to total assets | 86.7200% | 2,489 |
| Equity capital to assets | 8.6378% | 2,604 |
| Core capital (leverage) ratio | 10.2700% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1557% | 1,328 |
| Memoranda: | ||
| Average total assets | $114,094,600 | 3,785 |
| Average earning assets | $109,969,600 | 3,724 |
| Average equity | $9,826,600 | 3,891 |
| Average total loans | $77,687,400 | 3,442 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 569 |
| Cost of funding earning assets | 0.3493% | 1,711 |
| Net interest margin | 4.0655% | 551 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 3.3221% | 577 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7996% | 3,270 |
| Return on assets (ROA) | 0.7996% | 3,222 |
| Pretax return on assets | 1.1222% | 2,653 |
| Return on Equity (ROE) | 9.2900% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.6740% | 2,122 |
| Net charge-offs to loans | 0.0017% | 2,240 |
| Credit loss provision to net charge-offs | 900.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 969.0000% | 158 |
| Efficiency ratio | 74.5736% | 1,223 |
| Assets per employee ($millions) | 6.3991% | 2,407 |
| Cash dividends to net income (ytd only)* | 17.3977% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 4,146 |
| Loan loss allowance to noncurrent loans | 2,132.1429% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 3,702 |
| Noncurrent loans to loans | 0.0360% | 3,639 |
| Net loans and leases to total assets | 66.9800% | 1,788 |
| Net loans and leases to deposits | 75.9415% | 1,881 |
| Net loans and leases to core deposits | 82.6534% | 1,725 |
| Total domestic deposits to total assets | 88.2000% | 2,367 |
| Equity capital to assets | 8.2451% | 2,719 |
| Core capital (leverage) ratio | 10.0239% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9450% | 1,444 |
| Memoranda: | ||
| Average total assets | $114,060,750 | 3,811 |
| Average earning assets | $109,931,000 | 3,750 |
| Average equity | $9,816,500 | 3,937 |
| Average total loans | $77,413,500 | 3,466 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3265% | 510 |
| Cost of funding earning assets | 0.3212% | 1,516 |
| Net interest margin | 4.0054% | 492 |
| Noninterest income to average assets | 0.3114% | 3,296 |
| Noninterest expense to average assets | 3.2634% | 577 |
| Loan and lease loss provision to assets | 0.0106% | 2,396 |
| Net operating income to assets | 0.6386% | 3,512 |
| Return on assets (ROA) | 0.6386% | 3,463 |
| Pretax return on assets | 0.8990% | 3,067 |
| Return on Equity (ROE) | 7.3163% | 3,212 |
| Retained earnings to average equity (ytd only) | 6.1272% | 2,289 |
| Net charge-offs to loans | -0.0078% | 3,492 |
| Credit loss provision to net charge-offs | -200.0000% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2040% | 1,073 |
| Assets per employee ($millions) | 6.0020% | 2,743 |
| Cash dividends to net income (ytd only)* | 16.2534% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 4,231 |
| Loan loss allowance to noncurrent loans | 203.7671% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 2,034 |
| Noncurrent loans to loans | 0.3755% | 2,017 |
| Net loans and leases to total assets | 67.6757% | 1,508 |
| Net loans and leases to deposits | 75.9838% | 1,685 |
| Net loans and leases to core deposits | 84.3149% | 1,436 |
| Total domestic deposits to total assets | 89.0659% | 2,154 |
| Equity capital to assets | 8.4489% | 2,801 |
| Core capital (leverage) ratio | 9.6658% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9438% | 1,446 |
| Memoranda: | ||
| Average total assets | $113,686,667 | 3,853 |
| Average earning assets | $109,603,333 | 3,809 |
| Average equity | $9,923,000 | 4,004 |
| Average total loans | $77,301,667 | 3,498 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 451 |
| Cost of funding earning assets | 0.3254% | 1,410 |
| Net interest margin | 3.9599% | 445 |
| Noninterest income to average assets | 0.1797% | 4,088 |
| Noninterest expense to average assets | 3.1609% | 639 |
| Loan and lease loss provision to assets | 0.0106% | 2,136 |
| Net operating income to assets | 0.5850% | 3,444 |
| Return on assets (ROA) | 0.5850% | 3,427 |
| Pretax return on assets | 0.8246% | 3,030 |
| Return on Equity (ROE) | 6.5958% | 3,155 |
| Retained earnings to average equity (ytd only) | 4.2515% | 2,852 |
| Net charge-offs to loans | -0.0156% | 3,782 |
| Credit loss provision to net charge-offs | -100.0000% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1005% | 1,223 |
| Assets per employee ($millions) | 6.0486% | 2,763 |
| Cash dividends to net income (ytd only)* | 35.5422% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 4,287 |
| Loan loss allowance to noncurrent loans | 201.7065% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 2,123 |
| Noncurrent loans to loans | 0.3831% | 2,111 |
| Net loans and leases to total assets | 66.0384% | 1,405 |
| Net loans and leases to deposits | 74.0986% | 1,603 |
| Net loans and leases to core deposits | 82.3431% | 1,332 |
| Total domestic deposits to total assets | 89.1224% | 2,018 |
| Equity capital to assets | 8.5239% | 3,136 |
| Core capital (leverage) ratio | 9.7321% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8483% | 1,548 |
| Memoranda: | ||
| Average total assets | $113,511,000 | 3,879 |
| Average earning assets | $109,396,000 | 3,828 |
| Average equity | $10,067,000 | 4,046 |
| Average total loans | $77,067,000 | 3,504 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 788 |
| Cost of funding earning assets | 0.3973% | 1,562 |
| Net interest margin | 3.9502% | 787 |
| Noninterest income to average assets | 0.1786% | 4,262 |
| Noninterest expense to average assets | 3.4307% | 523 |
| Loan and lease loss provision to assets | -0.0477% | 4,345 |
| Net operating income to assets | 0.4278% | 4,228 |
| Return on assets (ROA) | 0.4278% | 4,267 |
| Pretax return on assets | 0.6025% | 4,104 |
| Return on Equity (ROE) | 4.4744% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.3258% | 3,485 |
| Net charge-offs to loans | -0.0143% | 3,855 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0805% | 472 |
| Assets per employee ($millions) | 5.8999% | 2,864 |
| Cash dividends to net income (ytd only)* | 25.6696% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 4,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.7497% | 1,181 |
| Net loans and leases to deposits | 78.1145% | 1,389 |
| Net loans and leases to core deposits | 87.3954% | 1,117 |
| Total domestic deposits to total assets | 88.0114% | 2,041 |
| Equity capital to assets | 9.2223% | 3,398 |
| Core capital (leverage) ratio | 9.9506% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3056% | 1,739 |
| Memoranda: | ||
| Average total assets | $104,729,600 | 3,947 |
| Average earning assets | $100,932,800 | 3,898 |
| Average equity | $10,012,600 | 4,128 |
| Average total loans | $69,899,400 | 3,650 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 820 |
| Cost of funding earning assets | 0.4288% | 1,491 |
| Net interest margin | 3.9652% | 842 |
| Noninterest income to average assets | 0.1775% | 4,313 |
| Noninterest expense to average assets | 3.5403% | 438 |
| Loan and lease loss provision to assets | -0.0651% | 4,509 |
| Net operating income to assets | 0.3745% | 4,415 |
| Return on assets (ROA) | 0.3745% | 4,444 |
| Pretax return on assets | 0.5248% | 4,339 |
| Return on Equity (ROE) | 3.8799% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.3360% | 4,100 |
| Net charge-offs to loans | -0.0039% | 3,362 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5002% | 361 |
| Assets per employee ($millions) | 5.3662% | 3,334 |
| Cash dividends to net income (ytd only)* | 39.7924% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 4,325 |
| Loan loss allowance to noncurrent loans | 115.1697% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 1,626 |
| Noncurrent loans to loans | 0.7064% | 1,574 |
| Net loans and leases to total assets | 65.5464% | 1,596 |
| Net loans and leases to deposits | 74.4917% | 1,811 |
| Net loans and leases to core deposits | 84.0446% | 1,426 |
| Total domestic deposits to total assets | 87.9915% | 1,851 |
| Equity capital to assets | 9.3297% | 3,529 |
| Core capital (leverage) ratio | 10.0926% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4387% | 1,506 |
| Memoranda: | ||
| Average total assets | $102,887,500 | 4,021 |
| Average earning assets | $99,193,500 | 3,966 |
| Average equity | $9,931,250 | 4,195 |
| Average total loans | $67,962,000 | 3,746 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 790 |
| Cost of funding earning assets | 0.4568% | 1,471 |
| Net interest margin | 3.9902% | 841 |
| Noninterest income to average assets | 0.1736% | 4,342 |
| Noninterest expense to average assets | 3.5638% | 430 |
| Loan and lease loss provision to assets | -0.0986% | 4,622 |
| Net operating income to assets | 0.3925% | 4,401 |
| Return on assets (ROA) | 0.3925% | 4,440 |
| Pretax return on assets | 0.5502% | 4,312 |
| Return on Equity (ROE) | 4.0186% | 4,326 |
| Retained earnings to average equity (ytd only) | 2.8675% | 3,881 |
| Net charge-offs to loans | -0.0030% | 3,290 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7525% | 375 |
| Assets per employee ($millions) | 5.4294% | 3,211 |
| Cash dividends to net income (ytd only)* | 28.6432% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 4,279 |
| Loan loss allowance to noncurrent loans | 435.6061% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 3,384 |
| Noncurrent loans to loans | 0.1957% | 3,249 |
| Net loans and leases to total assets | 64.8200% | 1,849 |
| Net loans and leases to deposits | 73.9475% | 2,005 |
| Net loans and leases to core deposits | 83.8784% | 1,570 |
| Total domestic deposits to total assets | 87.6568% | 2,012 |
| Equity capital to assets | 9.6541% | 3,195 |
| Core capital (leverage) ratio | 10.2473% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7063% | 1,416 |
| Memoranda: | ||
| Average total assets | $101,408,667 | 4,053 |
| Average earning assets | $97,638,667 | 3,998 |
| Average equity | $9,904,000 | 4,211 |
| Average total loans | $66,974,667 | 3,777 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 852 |
| Cost of funding earning assets | 0.5004% | 1,395 |
| Net interest margin | 3.9450% | 920 |
| Noninterest income to average assets | 0.1830% | 4,280 |
| Noninterest expense to average assets | 3.6445% | 393 |
| Loan and lease loss provision to assets | -0.1790% | 4,798 |
| Net operating income to assets | 0.3660% | 4,419 |
| Return on assets (ROA) | 0.3660% | 4,450 |
| Pretax return on assets | 0.5133% | 4,321 |
| Return on Equity (ROE) | 3.7260% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.4175% | 4,137 |
| Net charge-offs to loans | -0.0060% | 3,468 |
| Credit loss provision to net charge-offs | 4,500.0000% | 126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6000% | 335 |
| Assets per employee ($millions) | 5.3596% | 3,268 |
| Cash dividends to net income (ytd only)* | 61.9565% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 4,179 |
| Loan loss allowance to noncurrent loans | 85.6509% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 1,423 |
| Noncurrent loans to loans | 1.0396% | 1,290 |
| Net loans and leases to total assets | 63.2895% | 2,135 |
| Net loans and leases to deposits | 72.1067% | 2,304 |
| Net loans and leases to core deposits | 82.1467% | 1,830 |
| Total domestic deposits to total assets | 87.7720% | 1,970 |
| Equity capital to assets | 9.6728% | 3,038 |
| Core capital (leverage) ratio | 10.3754% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7420% | 1,371 |
| Memoranda: | ||
| Average total assets | $100,534,000 | 4,069 |
| Average earning assets | $96,729,500 | 4,015 |
| Average equity | $9,876,500 | 4,225 |
| Average total loans | $66,741,000 | 3,799 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 627 |
| Cost of funding earning assets | 0.8960% | 867 |
| Net interest margin | 3.9810% | 1,013 |
| Noninterest income to average assets | 0.1883% | 4,348 |
| Noninterest expense to average assets | 3.4095% | 785 |
| Loan and lease loss provision to assets | 0.1016% | 3,059 |
| Net operating income to assets | 0.3657% | 4,315 |
| Return on assets (ROA) | 0.4114% | 4,303 |
| Pretax return on assets | 0.5717% | 4,142 |
| Return on Equity (ROE) | 4.3068% | 4,084 |
| Retained earnings to average equity (ytd only) | 3.1076% | 3,291 |
| Net charge-offs to loans | -0.0112% | 4,281 |
| Credit loss provision to net charge-offs | -1,275.0000% | 4,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7068% | 585 |
| Assets per employee ($millions) | 5.2229% | 3,128 |
| Cash dividends to net income (ytd only)* | 27.8450% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 4,157 |
| Loan loss allowance to noncurrent loans | 92.1713% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 1,528 |
| Noncurrent loans to loans | 0.9890% | 1,431 |
| Net loans and leases to total assets | 68.3522% | 1,782 |
| Net loans and leases to deposits | 78.5315% | 2,021 |
| Net loans and leases to core deposits | 91.5162% | 1,422 |
| Total domestic deposits to total assets | 87.0380% | 1,926 |
| Equity capital to assets | 9.9792% | 3,149 |
| Core capital (leverage) ratio | 10.2747% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1581% | 1,223 |
| Memoranda: | ||
| Average total assets | $100,395,200 | 3,990 |
| Average earning assets | $96,760,800 | 3,926 |
| Average equity | $9,589,400 | 4,237 |
| Average total loans | $71,477,200 | 3,699 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 654 |
| Cost of funding earning assets | 0.9733% | 838 |
| Net interest margin | 3.9836% | 1,150 |
| Noninterest income to average assets | 0.1708% | 4,445 |
| Noninterest expense to average assets | 3.4523% | 755 |
| Loan and lease loss provision to assets | 0.1351% | 2,663 |
| Net operating income to assets | 0.3019% | 4,446 |
| Return on assets (ROA) | 0.3615% | 4,398 |
| Pretax return on assets | 0.5019% | 4,274 |
| Return on Equity (ROE) | 3.8271% | 4,197 |
| Retained earnings to average equity (ytd only) | 2.1869% | 3,862 |
| Net charge-offs to loans | -0.0055% | 4,073 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0112% | 498 |
| Assets per employee ($millions) | 5.3426% | 2,843 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 4,132 |
| Loan loss allowance to noncurrent loans | 104.5608% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 1,983 |
| Noncurrent loans to loans | 0.8402% | 1,752 |
| Net loans and leases to total assets | 68.8028% | 2,137 |
| Net loans and leases to deposits | 78.9093% | 2,436 |
| Net loans and leases to core deposits | 92.8058% | 1,728 |
| Total domestic deposits to total assets | 87.1923% | 1,580 |
| Equity capital to assets | 9.3775% | 3,791 |
| Core capital (leverage) ratio | 10.0965% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5055% | 1,371 |
| Memoranda: | ||
| Average total assets | $100,685,000 | 3,982 |
| Average earning assets | $97,128,000 | 3,923 |
| Average equity | $9,511,000 | 4,264 |
| Average total loans | $72,233,000 | 3,700 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0765% | 716 |
| Cost of funding earning assets | 1.0785% | 766 |
| Net interest margin | 3.9980% | 1,328 |
| Noninterest income to average assets | 0.1932% | 4,309 |
| Noninterest expense to average assets | 3.4996% | 749 |
| Loan and lease loss provision to assets | 0.1793% | 2,227 |
| Net operating income to assets | 0.2573% | 4,497 |
| Return on assets (ROA) | 0.3486% | 4,393 |
| Pretax return on assets | 0.4840% | 4,277 |
| Return on Equity (ROE) | 3.6810% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.4400% | 3,601 |
| Net charge-offs to loans | 0.0082% | 2,652 |
| Credit loss provision to net charge-offs | 3,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 91.6667% | 738 |
| Efficiency ratio | 86.4665% | 520 |
| Assets per employee ($millions) | 5.3276% | 2,802 |
| Cash dividends to net income (ytd only)* | 33.7143% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 4,265 |
| Loan loss allowance to noncurrent loans | 100.5059% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 2,054 |
| Noncurrent loans to loans | 0.8232% | 1,850 |
| Net loans and leases to total assets | 70.5764% | 1,940 |
| Net loans and leases to deposits | 80.8412% | 2,337 |
| Net loans and leases to core deposits | 92.0477% | 1,898 |
| Total domestic deposits to total assets | 87.3025% | 1,495 |
| Equity capital to assets | 9.3771% | 3,756 |
| Core capital (leverage) ratio | 10.1399% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2080% | 1,443 |
| Memoranda: | ||
| Average total assets | $100,410,333 | 3,986 |
| Average earning assets | $96,799,000 | 3,929 |
| Average equity | $9,508,333 | 4,278 |
| Average total loans | $72,824,000 | 3,699 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 606 |
| Cost of funding earning assets | 1.1625% | 869 |
| Net interest margin | 4.0855% | 1,162 |
| Noninterest income to average assets | 0.2600% | 3,987 |
| Noninterest expense to average assets | 3.7879% | 632 |
| Loan and lease loss provision to assets | 0.2080% | 1,472 |
| Net operating income to assets | 0.1448% | 4,604 |
| Return on assets (ROA) | 0.1480% | 4,607 |
| Pretax return on assets | 0.2040% | 4,559 |
| Return on Equity (ROE) | 1.5552% | 4,532 |
| Retained earnings to average equity (ytd only) | -0.9247% | 4,129 |
| Net charge-offs to loans | 0.0055% | 2,378 |
| Credit loss provision to net charge-offs | 5,200.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 570 |
| Efficiency ratio | 90.2765% | 487 |
| Assets per employee ($millions) | 5.2359% | 2,385 |
| Cash dividends to net income (ytd only)* | 159.4595% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 4,440 |
| Loan loss allowance to noncurrent loans | 65.4378% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 1,526 |
| Noncurrent loans to loans | 1.2056% | 1,354 |
| Net loans and leases to total assets | 71.8012% | 1,951 |
| Net loans and leases to deposits | 82.2784% | 2,421 |
| Net loans and leases to core deposits | 94.1889% | 1,958 |
| Total domestic deposits to total assets | 87.2662% | 1,440 |
| Equity capital to assets | 9.4499% | 4,264 |
| Core capital (leverage) ratio | 10.1345% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0996% | 1,578 |
| Memoranda: | ||
| Average total assets | $100,003,000 | 3,993 |
| Average earning assets | $96,340,500 | 3,917 |
| Average equity | $9,516,500 | 4,292 |
| Average total loans | $73,217,500 | 3,698 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3410% | 762 |
| Cost of funding earning assets | 1.0919% | 1,356 |
| Net interest margin | 4.2491% | 1,208 |
| Noninterest income to average assets | 0.2701% | 4,060 |
| Noninterest expense to average assets | 3.5210% | 936 |
| Loan and lease loss provision to assets | 0.1661% | 1,258 |
| Net operating income to assets | 0.4890% | 4,427 |
| Return on assets (ROA) | 0.4898% | 4,475 |
| Pretax return on assets | 0.6863% | 4,237 |
| Return on Equity (ROE) | 4.9743% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.8855% | 3,025 |
| Net charge-offs to loans | 0.1047% | 1,682 |
| Credit loss provision to net charge-offs | 216.4384% | 1,221 |
| Earnings coverage of net charge-offs (x) | 11.0959% | 2,519 |
| Efficiency ratio | 80.5288% | 900 |
| Assets per employee ($millions) | 5.2907% | 2,260 |
| Cash dividends to net income (ytd only)* | 21.8884% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 4,581 |
| Loan loss allowance to noncurrent loans | 23.1147% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.2293% | 323 |
| Noncurrent loans to loans | 3.0106% | 311 |
| Net loans and leases to total assets | 73.5344% | 1,833 |
| Net loans and leases to deposits | 83.1027% | 2,428 |
| Net loans and leases to core deposits | 94.1823% | 2,046 |
| Total domestic deposits to total assets | 88.4862% | 894 |
| Equity capital to assets | 9.5819% | 4,287 |
| Core capital (leverage) ratio | 10.2743% | 3,214 |
| Tier 1 risk-based capital ratio | 14.6252% | 2,946 |
| Total risk-based capital ratio | 15.3814% | 3,115 |
| Memoranda: | ||
| Average total assets | $95,142,400 | 4,070 |
| Average earning assets | $91,854,800 | 4,016 |
| Average equity | $9,368,200 | 4,324 |
| Average total loans | $69,713,400 | 3,783 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 913 |
| Cost of funding earning assets | 1.0621% | 1,495 |
| Net interest margin | 4.2103% | 1,355 |
| Noninterest income to average assets | 0.2544% | 4,215 |
| Noninterest expense to average assets | 3.5537% | 900 |
| Loan and lease loss provision to assets | 0.1493% | 1,269 |
| Net operating income to assets | 0.4410% | 4,637 |
| Return on assets (ROA) | 0.4421% | 4,672 |
| Pretax return on assets | 0.6212% | 4,504 |
| Return on Equity (ROE) | 4.4576% | 4,488 |
| Retained earnings to average equity (ytd only) | 2.9813% | 3,891 |
| Net charge-offs to loans | 0.1440% | 1,129 |
| Credit loss provision to net charge-offs | 141.8919% | 1,709 |
| Earnings coverage of net charge-offs (x) | 7.3112% | 2,756 |
| Efficiency ratio | 82.2098% | 744 |
| Assets per employee ($millions) | 5.3241% | 2,188 |
| Cash dividends to net income (ytd only)* | 33.1187% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6411% | 4,749 |
| Loan loss allowance to noncurrent loans | 16.1862% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 3.0042% | 189 |
| Noncurrent loans to loans | 3.9609% | 173 |
| Net loans and leases to total assets | 75.3603% | 1,593 |
| Net loans and leases to deposits | 86.6415% | 2,119 |
| Net loans and leases to core deposits | 91.1523% | 2,448 |
| Total domestic deposits to total assets | 86.9794% | 1,531 |
| Equity capital to assets | 9.9037% | 4,113 |
| Core capital (leverage) ratio | 10.3927% | 3,209 |
| Tier 1 risk-based capital ratio | 14.5027% | 3,075 |
| Total risk-based capital ratio | 15.1873% | 3,276 |
| Memoranda: | ||
| Average total assets | $93,797,250 | 4,136 |
| Average earning assets | $90,631,500 | 4,082 |
| Average equity | $9,302,250 | 4,378 |
| Average total loans | $68,532,500 | 3,840 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1627% | 1,067 |
| Cost of funding earning assets | 1.0063% | 1,668 |
| Net interest margin | 4.1564% | 1,470 |
| Noninterest income to average assets | 0.2341% | 4,349 |
| Noninterest expense to average assets | 3.5353% | 918 |
| Loan and lease loss provision to assets | 0.1181% | 1,584 |
| Net operating income to assets | 0.4317% | 4,670 |
| Return on assets (ROA) | 0.4317% | 4,695 |
| Pretax return on assets | 0.5992% | 4,543 |
| Return on Equity (ROE) | 4.3510% | 4,511 |
| Retained earnings to average equity (ytd only) | 3.2686% | 3,588 |
| Net charge-offs to loans | 0.2145% | 774 |
| Credit loss provision to net charge-offs | 76.3889% | 2,259 |
| Earnings coverage of net charge-offs (x) | 4.6389% | 2,722 |
| Efficiency ratio | 83.1313% | 720 |
| Assets per employee ($millions) | 5.4099% | 2,040 |
| Cash dividends to net income (ytd only)* | 24.8756% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5836% | 4,902 |
| Loan loss allowance to noncurrent loans | 24.8219% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.7293% | 603 |
| Noncurrent loans to loans | 2.3511% | 542 |
| Net loans and leases to total assets | 73.1246% | 2,039 |
| Net loans and leases to deposits | 82.7490% | 2,647 |
| Net loans and leases to core deposits | 87.6385% | 2,836 |
| Total domestic deposits to total assets | 88.3692% | 934 |
| Equity capital to assets | 9.7002% | 4,234 |
| Core capital (leverage) ratio | 10.2354% | 3,351 |
| Tier 1 risk-based capital ratio | 15.0138% | 2,837 |
| Total risk-based capital ratio | 15.6543% | 3,033 |
| Memoranda: | ||
| Average total assets | $93,118,670 | 4,172 |
| Average earning assets | $90,030,000 | 4,117 |
| Average equity | $9,239,330 | 4,405 |
| Average total loans | $67,148,000 | 3,903 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 1,532 |
| Cost of funding earning assets | 0.9047% | 1,976 |
| Net interest margin | 4.0191% | 1,796 |
| Noninterest income to average assets | 0.2286% | 4,369 |
| Noninterest expense to average assets | 3.5873% | 861 |
| Loan and lease loss provision to assets | 0.0396% | 2,835 |
| Net operating income to assets | 0.3517% | 4,826 |
| Return on assets (ROA) | 0.3517% | 4,832 |
| Pretax return on assets | 0.4880% | 4,715 |
| Return on Equity (ROE) | 3.5026% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.3135% | 4,252 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1795% | 522 |
| Assets per employee ($millions) | 5.1979% | 2,289 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 4,818 |
| Loan loss allowance to noncurrent loans | 64.0693% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 1,890 |
| Noncurrent loans to loans | 1.0563% | 1,578 |
| Net loans and leases to total assets | 69.6429% | 2,541 |
| Net loans and leases to deposits | 79.8696% | 2,853 |
| Net loans and leases to core deposits | 86.2806% | 2,847 |
| Total domestic deposits to total assets | 87.1958% | 1,716 |
| Equity capital to assets | 9.8607% | 3,957 |
| Core capital (leverage) ratio | 10.7671% | 2,790 |
| Tier 1 risk-based capital ratio | 15.3938% | 2,709 |
| Total risk-based capital ratio | 16.0973% | 2,874 |
| Memoranda: | ||
| Average total assets | $90,988,500 | 4,245 |
| Average earning assets | $87,980,500 | 4,178 |
| Average equity | $9,136,000 | 4,445 |
| Average total loans | $64,909,000 | 3,992 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 1,244 |
| Cost of funding earning assets | 0.7511% | 1,782 |
| Net interest margin | 4.1631% | 1,496 |
| Noninterest income to average assets | 0.2597% | 4,376 |
| Noninterest expense to average assets | 3.8713% | 627 |
| Loan and lease loss provision to assets | 0.0249% | 3,672 |
| Net operating income to assets | 0.2960% | 5,013 |
| Return on assets (ROA) | 0.2960% | 5,008 |
| Pretax return on assets | 0.4048% | 4,927 |
| Return on Equity (ROE) | 2.9244% | 4,913 |
| Retained earnings to average equity (ytd only) | 1.8152% | 4,423 |
| Net charge-offs to loans | 0.0537% | 2,383 |
| Credit loss provision to net charge-offs | 64.7059% | 3,052 |
| Earnings coverage of net charge-offs (x) | 11.1471% | 2,650 |
| Efficiency ratio | 90.0079% | 344 |
| Assets per employee ($millions) | 5.2008% | 2,266 |
| Cash dividends to net income (ytd only)* | 37.9310% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 4,850 |
| Loan loss allowance to noncurrent loans | 55.6978% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 1,580 |
| Noncurrent loans to loans | 1.2162% | 1,315 |
| Net loans and leases to total assets | 72.1368% | 2,236 |
| Net loans and leases to deposits | 82.2180% | 2,707 |
| Net loans and leases to core deposits | 91.5168% | 2,450 |
| Total domestic deposits to total assets | 87.7384% | 1,422 |
| Equity capital to assets | 10.2314% | 3,440 |
| Core capital (leverage) ratio | 10.7359% | 2,806 |
| Tier 1 risk-based capital ratio | 15.8516% | 2,467 |
| Total risk-based capital ratio | 16.5641% | 2,619 |
| Memoranda: | ||
| Average total assets | $88,187,600 | 4,300 |
| Average earning assets | $85,609,800 | 4,225 |
| Average equity | $8,924,800 | 4,470 |
| Average total loans | $63,307,400 | 4,014 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 1,305 |
| Cost of funding earning assets | 0.7104% | 1,793 |
| Net interest margin | 4.1379% | 1,525 |
| Noninterest income to average assets | 0.2451% | 4,509 |
| Noninterest expense to average assets | 3.9047% | 587 |
| Loan and lease loss provision to assets | 0.0333% | 3,350 |
| Net operating income to assets | 0.2390% | 5,169 |
| Return on assets (ROA) | 0.2390% | 5,163 |
| Pretax return on assets | 0.3253% | 5,113 |
| Return on Equity (ROE) | 2.3684% | 5,090 |
| Retained earnings to average equity (ytd only) | 0.8844% | 4,885 |
| Net charge-offs to loans | 0.0465% | 2,167 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 10.7736% | 2,563 |
| Efficiency ratio | 91.5898% | 289 |
| Assets per employee ($millions) | 5.1451% | 2,286 |
| Cash dividends to net income (ytd only)* | 62.6602% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7152% | 4,848 |
| Loan loss allowance to noncurrent loans | 84.3396% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 2,364 |
| Noncurrent loans to loans | 0.8480% | 2,009 |
| Net loans and leases to total assets | 70.9479% | 2,504 |
| Net loans and leases to deposits | 80.8610% | 2,945 |
| Net loans and leases to core deposits | 88.9449% | 2,752 |
| Total domestic deposits to total assets | 87.7405% | 1,364 |
| Equity capital to assets | 10.1078% | 3,532 |
| Core capital (leverage) ratio | 10.7852% | 2,810 |
| Tier 1 risk-based capital ratio | 16.0284% | 2,441 |
| Total risk-based capital ratio | 16.7764% | 2,572 |
| Memoranda: | ||
| Average total assets | $88,131,000 | 4,344 |
| Average earning assets | $85,580,750 | 4,272 |
| Average equity | $8,894,500 | 4,516 |
| Average total loans | $63,080,750 | 4,066 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 1,285 |
| Cost of funding earning assets | 0.6692% | 1,815 |
| Net interest margin | 4.1180% | 1,495 |
| Noninterest income to average assets | 0.2377% | 4,590 |
| Noninterest expense to average assets | 3.9433% | 578 |
| Loan and lease loss provision to assets | 0.0407% | 3,095 |
| Net operating income to assets | 0.1856% | 5,245 |
| Return on assets (ROA) | 0.1856% | 5,235 |
| Pretax return on assets | 0.2513% | 5,205 |
| Return on Equity (ROE) | 1.8401% | 5,193 |
| Retained earnings to average equity (ytd only) | 0.7181% | 4,817 |
| Net charge-offs to loans | 0.0695% | 1,645 |
| Credit loss provision to net charge-offs | 81.8182% | 2,238 |
| Earnings coverage of net charge-offs (x) | 5.8636% | 2,678 |
| Efficiency ratio | 93.1053% | 284 |
| Assets per employee ($millions) | 4.6373% | 2,907 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 4,946 |
| Loan loss allowance to noncurrent loans | 94.8718% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 2,639 |
| Noncurrent loans to loans | 0.7370% | 2,267 |
| Net loans and leases to total assets | 71.5690% | 2,345 |
| Net loans and leases to deposits | 80.3368% | 2,914 |
| Net loans and leases to core deposits | 87.5818% | 2,763 |
| Total domestic deposits to total assets | 89.0861% | 899 |
| Equity capital to assets | 10.0263% | 3,597 |
| Core capital (leverage) ratio | 10.9287% | 2,581 |
| Tier 1 risk-based capital ratio | 16.1819% | 2,376 |
| Total risk-based capital ratio | 16.9325% | 2,501 |
| Memoranda: | ||
| Average total assets | $88,352,330 | 4,377 |
| Average earning assets | $85,770,000 | 4,302 |
| Average equity | $8,912,330 | 4,548 |
| Average total loans | $63,273,330 | 4,093 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 1,133 |
| Cost of funding earning assets | 0.6435% | 1,755 |
| Net interest margin | 4.1316% | 1,365 |
| Noninterest income to average assets | 0.2667% | 4,395 |
| Noninterest expense to average assets | 4.0283% | 512 |
| Loan and lease loss provision to assets | 0.0588% | 2,598 |
| Net operating income to assets | 0.1402% | 5,296 |
| Return on assets (ROA) | 0.1402% | 5,292 |
| Pretax return on assets | 0.1854% | 5,276 |
| Return on Equity (ROE) | 1.3852% | 5,268 |
| Retained earnings to average equity (ytd only) | -0.8490% | 4,902 |
| Net charge-offs to loans | -0.0063% | 4,089 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2857% | 293 |
| Assets per employee ($millions) | 4.1004% | 3,801 |
| Cash dividends to net income (ytd only)* | 161.2903% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7320% | 4,959 |
| Loan loss allowance to noncurrent loans | 57.6971% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9279% | 1,706 |
| Noncurrent loans to loans | 1.2687% | 1,418 |
| Net loans and leases to total assets | 72.6053% | 2,074 |
| Net loans and leases to deposits | 81.6633% | 2,625 |
| Net loans and leases to core deposits | 87.4771% | 2,683 |
| Total domestic deposits to total assets | 88.9081% | 1,143 |
| Equity capital to assets | 10.2488% | 3,336 |
| Core capital (leverage) ratio | 10.6600% | 2,780 |
| Tier 1 risk-based capital ratio | 15.9696% | 2,489 |
| Total risk-based capital ratio | 16.7442% | 2,601 |
| Memoranda: | ||
| Average total assets | $88,474,500 | 4,423 |
| Average earning assets | $85,778,000 | 4,350 |
| Average equity | $8,951,500 | 4,590 |
| Average total loans | $63,159,000 | 4,126 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 978 |
| Cost of funding earning assets | 0.5856% | 1,709 |
| Net interest margin | 4.2127% | 1,163 |
| Noninterest income to average assets | 0.2632% | 4,559 |
| Noninterest expense to average assets | 3.8899% | 622 |
| Loan and lease loss provision to assets | 0.0453% | 3,333 |
| Net operating income to assets | 0.1250% | 5,227 |
| Return on assets (ROA) | 0.1250% | 5,233 |
| Pretax return on assets | 0.4015% | 5,087 |
| Return on Equity (ROE) | 1.2472% | 5,197 |
| Retained earnings to average equity (ytd only) | 0.4857% | 4,841 |
| Net charge-offs to loans | 0.0608% | 2,600 |
| Credit loss provision to net charge-offs | 105.1282% | 2,447 |
| Earnings coverage of net charge-offs (x) | 10.3590% | 2,686 |
| Efficiency ratio | 89.6965% | 447 |
| Assets per employee ($millions) | 4.5421% | 3,125 |
| Cash dividends to net income (ytd only)* | 61.0619% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 5,061 |
| Loan loss allowance to noncurrent loans | 50.9112% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 1,601 |
| Noncurrent loans to loans | 1.3862% | 1,242 |
| Net loans and leases to total assets | 69.2320% | 2,642 |
| Net loans and leases to deposits | 77.6365% | 3,157 |
| Net loans and leases to core deposits | 84.2444% | 3,038 |
| Total domestic deposits to total assets | 89.1745% | 916 |
| Equity capital to assets | 9.9933% | 3,717 |
| Core capital (leverage) ratio | 10.4913% | 2,848 |
| Tier 1 risk-based capital ratio | 15.9785% | 2,438 |
| Total risk-based capital ratio | 16.7303% | 2,569 |
| Memoranda: | ||
| Average total assets | $90,414,600 | 4,418 |
| Average earning assets | $87,426,400 | 4,341 |
| Average equity | $9,060,000 | 4,605 |
| Average total loans | $64,127,600 | 4,096 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 948 |
| Cost of funding earning assets | 0.5758% | 1,706 |
| Net interest margin | 4.2112% | 1,127 |
| Noninterest income to average assets | 0.2436% | 4,748 |
| Noninterest expense to average assets | 4.0306% | 497 |
| Loan and lease loss provision to assets | 0.0487% | 3,122 |
| Net operating income to assets | 0.1713% | 5,378 |
| Return on assets (ROA) | 0.1713% | 5,389 |
| Pretax return on assets | 0.2347% | 5,356 |
| Return on Equity (ROE) | 1.7079% | 5,345 |
| Retained earnings to average equity (ytd only) | 0.6921% | 5,067 |
| Net charge-offs to loans | 0.0705% | 2,118 |
| Credit loss provision to net charge-offs | 97.0588% | 2,359 |
| Earnings coverage of net charge-offs (x) | 5.6473% | 3,076 |
| Efficiency ratio | 93.4292% | 304 |
| Assets per employee ($millions) | 4.7331% | 2,786 |
| Cash dividends to net income (ytd only)* | 59.4853% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6929% | 5,149 |
| Loan loss allowance to noncurrent loans | 35.1544% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4045% | 1,105 |
| Noncurrent loans to loans | 1.9711% | 869 |
| Net loans and leases to total assets | 70.7577% | 2,448 |
| Net loans and leases to deposits | 79.2199% | 3,043 |
| Net loans and leases to core deposits | 85.6649% | 2,996 |
| Total domestic deposits to total assets | 89.3181% | 738 |
| Equity capital to assets | 10.1570% | 3,744 |
| Core capital (leverage) ratio | 10.4521% | 3,039 |
| Tier 1 risk-based capital ratio | 15.2888% | 2,801 |
| Total risk-based capital ratio | 16.0083% | 2,965 |
| Memoranda: | ||
| Average total assets | $90,308,000 | 4,462 |
| Average earning assets | $87,289,750 | 4,387 |
| Average equity | $9,055,500 | 4,651 |
| Average total loans | $64,325,000 | 4,123 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 928 |
| Cost of funding earning assets | 0.5541% | 1,753 |
| Net interest margin | 4.2129% | 1,051 |
| Noninterest income to average assets | 0.2322% | 4,844 |
| Noninterest expense to average assets | 4.2948% | 376 |
| Loan and lease loss provision to assets | 0.0575% | 2,824 |
| Net operating income to assets | 0.0133% | 5,545 |
| Return on assets (ROA) | 0.0133% | 5,546 |
| Pretax return on assets | -0.0509% | 5,568 |
| Return on Equity (ROE) | 0.1329% | 5,548 |
| Retained earnings to average equity (ytd only) | -1.1740% | 5,254 |
| Net charge-offs to loans | 0.0124% | 3,019 |
| Credit loss provision to net charge-offs | 650.0000% | 526 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 3,347 |
| Efficiency ratio | 99.8458% | 190 |
| Assets per employee ($millions) | 5.0012% | 2,388 |
| Cash dividends to net income (ytd only)* | 983.3333% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7076% | 5,191 |
| Loan loss allowance to noncurrent loans | 52.0624% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9964% | 1,755 |
| Noncurrent loans to loans | 1.3591% | 1,424 |
| Net loans and leases to total assets | 72.7978% | 2,079 |
| Net loans and leases to deposits | 82.8862% | 2,610 |
| Net loans and leases to core deposits | 90.3606% | 2,486 |
| Total domestic deposits to total assets | 87.8285% | 1,543 |
| Equity capital to assets | 10.0709% | 3,827 |
| Core capital (leverage) ratio | 10.3262% | 3,108 |
| Tier 1 risk-based capital ratio | 15.4670% | 2,718 |
| Total risk-based capital ratio | 16.2420% | 2,863 |
| Memoranda: | ||
| Average total assets | $90,434,670 | 4,489 |
| Average earning assets | $87,351,330 | 4,408 |
| Average equity | $9,029,330 | 4,674 |
| Average total loans | $64,408,330 | 4,140 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 1,406 |
| Cost of funding earning assets | 0.5356% | 1,818 |
| Net interest margin | 3.9506% | 1,605 |
| Noninterest income to average assets | 0.2207% | 4,954 |
| Noninterest expense to average assets | 3.5701% | 941 |
| Loan and lease loss provision to assets | 0.1103% | 1,734 |
| Net operating income to assets | 0.2162% | 5,374 |
| Return on assets (ROA) | 0.2162% | 5,385 |
| Pretax return on assets | 0.3486% | 5,237 |
| Return on Equity (ROE) | 2.1751% | 5,309 |
| Retained earnings to average equity (ytd only) | -0.4439% | 4,986 |
| Net charge-offs to loans | 0.0503% | 1,854 |
| Credit loss provision to net charge-offs | 312.5000% | 761 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,808 |
| Efficiency ratio | 88.6090% | 626 |
| Assets per employee ($millions) | 5.0808% | 2,333 |
| Cash dividends to net income (ytd only)* | 120.4082% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7184% | 5,266 |
| Loan loss allowance to noncurrent loans | 81.6901% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 2,770 |
| Noncurrent loans to loans | 0.8795% | 2,276 |
| Net loans and leases to total assets | 70.1118% | 2,359 |
| Net loans and leases to deposits | 79.6522% | 2,796 |
| Net loans and leases to core deposits | 86.6897% | 2,665 |
| Total domestic deposits to total assets | 88.0224% | 1,706 |
| Equity capital to assets | 9.9154% | 3,857 |
| Core capital (leverage) ratio | 10.6339% | 2,761 |
| Tier 1 risk-based capital ratio | 15.7721% | 2,633 |
| Total risk-based capital ratio | 16.5505% | 2,766 |
| Memoranda: | ||
| Average total assets | $90,641,000 | 4,529 |
| Average earning assets | $87,379,500 | 4,455 |
| Average equity | $9,011,000 | 4,717 |
| Average total loans | $63,612,000 | 4,191 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 723 |
| Cost of funding earning assets | 0.5244% | 1,907 |
| Net interest margin | 4.3898% | 789 |
| Noninterest income to average assets | 0.2220% | 5,082 |
| Noninterest expense to average assets | 3.4624% | 1,229 |
| Loan and lease loss provision to assets | 0.1969% | 1,184 |
| Net operating income to assets | 0.4826% | 4,700 |
| Return on assets (ROA) | 0.4826% | 4,774 |
| Pretax return on assets | 0.7933% | 4,198 |
| Return on Equity (ROE) | 4.7397% | 4,544 |
| Retained earnings to average equity (ytd only) | 3.5771% | 3,379 |
| Net charge-offs to loans | 0.3912% | 680 |
| Credit loss provision to net charge-offs | 69.2000% | 3,144 |
| Earnings coverage of net charge-offs (x) | 3.4800% | 3,658 |
| Efficiency ratio | 77.7607% | 1,727 |
| Assets per employee ($millions) | 4.7278% | 2,743 |
| Cash dividends to net income (ytd only)* | 24.5283% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 5,333 |
| Loan loss allowance to noncurrent loans | 128.4483% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 3,721 |
| Noncurrent loans to loans | 0.5556% | 3,178 |
| Net loans and leases to total assets | 69.2357% | 2,593 |
| Net loans and leases to deposits | 77.4769% | 3,163 |
| Net loans and leases to core deposits | 86.6789% | 2,793 |
| Total domestic deposits to total assets | 89.3630% | 918 |
| Equity capital to assets | 9.9679% | 3,755 |
| Core capital (leverage) ratio | 10.4618% | 2,918 |
| Tier 1 risk-based capital ratio | 16.5369% | 2,335 |
| Total risk-based capital ratio | 17.3225% | 2,452 |
| Memoranda: | ||
| Average total assets | $87,857,400 | 4,584 |
| Average earning assets | $84,674,200 | 4,503 |
| Average equity | $8,945,800 | 4,775 |
| Average total loans | $63,910,000 | 4,182 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 880 |
| Cost of funding earning assets | 0.5148% | 1,980 |
| Net interest margin | 4.2955% | 939 |
| Noninterest income to average assets | 0.2243% | 5,129 |
| Noninterest expense to average assets | 3.4536% | 1,240 |
| Loan and lease loss provision to assets | 0.2182% | 955 |
| Net operating income to assets | 0.4212% | 4,958 |
| Return on assets (ROA) | 0.4212% | 5,048 |
| Pretax return on assets | 0.6913% | 4,633 |
| Return on Equity (ROE) | 4.1145% | 4,864 |
| Retained earnings to average equity (ytd only) | 2.5641% | 4,374 |
| Net charge-offs to loans | 0.5169% | 408 |
| Credit loss provision to net charge-offs | 57.4297% | 2,939 |
| Earnings coverage of net charge-offs (x) | 2.3936% | 3,580 |
| Efficiency ratio | 79.1536% | 1,537 |
| Assets per employee ($millions) | 4.6577% | 2,824 |
| Cash dividends to net income (ytd only)* | 37.6804% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 5,534 |
| Loan loss allowance to noncurrent loans | 208.4577% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 4,536 |
| Noncurrent loans to loans | 0.3106% | 4,139 |
| Net loans and leases to total assets | 72.6409% | 2,078 |
| Net loans and leases to deposits | 82.0024% | 2,732 |
| Net loans and leases to core deposits | 93.0386% | 2,274 |
| Total domestic deposits to total assets | 88.5838% | 1,111 |
| Equity capital to assets | 10.1721% | 3,954 |
| Core capital (leverage) ratio | 10.5609% | 2,923 |
| Tier 1 risk-based capital ratio | 15.9235% | 2,660 |
| Total risk-based capital ratio | 16.6425% | 2,805 |
| Memoranda: | ||
| Average total assets | $87,364,750 | 4,629 |
| Average earning assets | $84,180,000 | 4,549 |
| Average equity | $8,943,750 | 4,816 |
| Average total loans | $64,227,500 | 4,200 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 857 |
| Cost of funding earning assets | 0.5062% | 2,052 |
| Net interest margin | 4.3101% | 904 |
| Noninterest income to average assets | 0.2253% | 5,140 |
| Noninterest expense to average assets | 3.4465% | 1,271 |
| Loan and lease loss provision to assets | 0.2115% | 1,010 |
| Net operating income to assets | 0.4391% | 4,907 |
| Return on assets (ROA) | 0.4391% | 4,992 |
| Pretax return on assets | 0.7173% | 4,569 |
| Return on Equity (ROE) | 4.2804% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.0478% | 3,975 |
| Net charge-offs to loans | 0.7398% | 276 |
| Credit loss provision to net charge-offs | 38.8186% | 2,780 |
| Earnings coverage of net charge-offs (x) | 1.7046% | 3,370 |
| Efficiency ratio | 78.7704% | 1,683 |
| Assets per employee ($millions) | 4.8454% | 2,492 |
| Cash dividends to net income (ytd only)* | 28.7958% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 5,689 |
| Loan loss allowance to noncurrent loans | 3,158.3333% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 5,558 |
| Noncurrent loans to loans | 0.0188% | 5,402 |
| Net loans and leases to total assets | 72.6192% | 2,063 |
| Net loans and leases to deposits | 81.9886% | 2,714 |
| Net loans and leases to core deposits | 92.1748% | 2,332 |
| Total domestic deposits to total assets | 88.5723% | 1,129 |
| Equity capital to assets | 10.2995% | 3,859 |
| Core capital (leverage) ratio | 10.3781% | 3,103 |
| Tier 1 risk-based capital ratio | 16.0667% | 2,610 |
| Total risk-based capital ratio | 16.7294% | 2,804 |
| Memoranda: | ||
| Average total assets | $86,987,330 | 4,674 |
| Average earning assets | $83,756,330 | 4,596 |
| Average equity | $8,924,330 | 4,858 |
| Average total loans | $64,068,670 | 4,235 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 848 |
| Cost of funding earning assets | 0.4784% | 2,293 |
| Net interest margin | 4.3203% | 896 |
| Noninterest income to average assets | 0.2394% | 5,030 |
| Noninterest expense to average assets | 3.5132% | 1,159 |
| Loan and lease loss provision to assets | 0.1059% | 1,929 |
| Net operating income to assets | 0.4743% | 4,727 |
| Return on assets (ROA) | 0.4743% | 4,825 |
| Pretax return on assets | 0.7782% | 4,276 |
| Return on Equity (ROE) | 4.6318% | 4,651 |
| Retained earnings to average equity (ytd only) | 2.2035% | 4,378 |
| Net charge-offs to loans | 0.0062% | 2,902 |
| Credit loss provision to net charge-offs | 2,300.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 314 |
| Efficiency ratio | 79.8953% | 1,618 |
| Assets per employee ($millions) | 5.2108% | 2,125 |
| Cash dividends to net income (ytd only)* | 52.4272% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 5,318 |
| Loan loss allowance to noncurrent loans | 53.8076% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.1266% | 1,964 |
| Noncurrent loans to loans | 1.5202% | 1,540 |
| Net loans and leases to total assets | 73.5042% | 1,814 |
| Net loans and leases to deposits | 82.6622% | 2,471 |
| Net loans and leases to core deposits | 93.4337% | 2,054 |
| Total domestic deposits to total assets | 88.9212% | 1,146 |
| Equity capital to assets | 10.0097% | 4,071 |
| Core capital (leverage) ratio | 10.3475% | 3,131 |
| Tier 1 risk-based capital ratio | 15.4973% | 2,918 |
| Total risk-based capital ratio | 16.4271% | 3,009 |
| Memoranda: | ||
| Average total assets | $86,872,000 | 4,708 |
| Average earning assets | $83,606,000 | 4,631 |
| Average equity | $8,895,000 | 4,891 |
| Average total loans | $64,245,000 | 4,256 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 1,063 |
| Cost of funding earning assets | 0.3850% | 3,319 |
| Net interest margin | 4.3389% | 888 |
| Noninterest income to average assets | 0.2399% | 5,162 |
| Noninterest expense to average assets | 3.3933% | 1,497 |
| Loan and lease loss provision to assets | 0.0168% | 4,074 |
| Net operating income to assets | 0.6105% | 4,218 |
| Return on assets (ROA) | 0.6105% | 4,315 |
| Pretax return on assets | 1.0064% | 3,449 |
| Return on Equity (ROE) | 5.8329% | 4,116 |
| Retained earnings to average equity (ytd only) | 4.5838% | 2,718 |
| Net charge-offs to loans | 0.0332% | 3,546 |
| Credit loss provision to net charge-offs | 70.0000% | 3,125 |
| Earnings coverage of net charge-offs (x) | 42.6500% | 1,116 |
| Efficiency ratio | 76.8332% | 2,144 |
| Assets per employee ($millions) | 5.3225% | 1,983 |
| Cash dividends to net income (ytd only)* | 21.4145% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 5,313 |
| Loan loss allowance to noncurrent loans | 71.9178% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 2,523 |
| Noncurrent loans to loans | 1.1617% | 2,034 |
| Net loans and leases to total assets | 73.1740% | 1,856 |
| Net loans and leases to deposits | 82.6514% | 2,517 |
| Net loans and leases to core deposits | 91.9358% | 2,232 |
| Total domestic deposits to total assets | 88.5333% | 1,362 |
| Equity capital to assets | 10.4779% | 3,385 |
| Core capital (leverage) ratio | 10.7551% | 2,653 |
| Tier 1 risk-based capital ratio | 15.8555% | 2,757 |
| Total risk-based capital ratio | 16.7698% | 2,857 |
| Memoranda: | ||
| Average total assets | $83,370,400 | 4,802 |
| Average earning assets | $80,250,400 | 4,708 |
| Average equity | $8,726,400 | 4,909 |
| Average total loans | $60,299,400 | 4,370 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 1,111 |
| Cost of funding earning assets | 0.3775% | 3,467 |
| Net interest margin | 4.3147% | 936 |
| Noninterest income to average assets | 0.2364% | 5,239 |
| Noninterest expense to average assets | 3.3942% | 1,489 |
| Loan and lease loss provision to assets | 0.0225% | 3,823 |
| Net operating income to assets | 0.5917% | 4,423 |
| Return on assets (ROA) | 0.5917% | 4,526 |
| Pretax return on assets | 0.9728% | 3,727 |
| Return on Equity (ROE) | 5.6544% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.9796% | 3,637 |
| Net charge-offs to loans | 0.0223% | 3,490 |
| Credit loss provision to net charge-offs | 140.0000% | 1,771 |
| Earnings coverage of net charge-offs (x) | 61.9137% | 897 |
| Efficiency ratio | 77.3260% | 2,048 |
| Assets per employee ($millions) | 4.9135% | 2,403 |
| Cash dividends to net income (ytd only)* | 29.6199% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 5,333 |
| Loan loss allowance to noncurrent loans | 53.6683% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.1912% | 1,982 |
| Noncurrent loans to loans | 1.5995% | 1,549 |
| Net loans and leases to total assets | 73.8342% | 1,762 |
| Net loans and leases to deposits | 83.5372% | 2,452 |
| Net loans and leases to core deposits | 93.6369% | 2,110 |
| Total domestic deposits to total assets | 88.3849% | 1,349 |
| Equity capital to assets | 10.5532% | 3,544 |
| Core capital (leverage) ratio | 10.6115% | 2,914 |
| Tier 1 risk-based capital ratio | 15.5724% | 3,015 |
| Total risk-based capital ratio | 16.5015% | 3,104 |
| Memoranda: | ||
| Average total assets | $82,923,000 | 4,868 |
| Average earning assets | $79,818,750 | 4,782 |
| Average equity | $8,677,250 | 4,981 |
| Average total loans | $59,664,250 | 4,433 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,162 |
| Cost of funding earning assets | 0.3689% | 3,610 |
| Net interest margin | 4.2843% | 949 |
| Noninterest income to average assets | 0.2345% | 5,280 |
| Noninterest expense to average assets | 3.3825% | 1,506 |
| Loan and lease loss provision to assets | 0.0338% | 3,436 |
| Net operating income to assets | 0.5730% | 4,456 |
| Return on assets (ROA) | 0.5730% | 4,560 |
| Pretax return on assets | 0.9453% | 3,788 |
| Return on Equity (ROE) | 5.4916% | 4,376 |
| Retained earnings to average equity (ytd only) | 4.2404% | 3,334 |
| Net charge-offs to loans | -0.0068% | 4,818 |
| Credit loss provision to net charge-offs | -700.0000% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5499% | 2,132 |
| Assets per employee ($millions) | 4.6552% | 2,742 |
| Cash dividends to net income (ytd only)* | 22.7848% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 5,271 |
| Loan loss allowance to noncurrent loans | 80.8889% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 2,972 |
| Noncurrent loans to loans | 1.1234% | 2,405 |
| Net loans and leases to total assets | 71.0549% | 2,153 |
| Net loans and leases to deposits | 80.0643% | 2,774 |
| Net loans and leases to core deposits | 89.2545% | 2,425 |
| Total domestic deposits to total assets | 88.7473% | 1,271 |
| Equity capital to assets | 10.3410% | 3,629 |
| Core capital (leverage) ratio | 10.6299% | 2,817 |
| Tier 1 risk-based capital ratio | 15.9652% | 2,879 |
| Total risk-based capital ratio | 16.9474% | 2,953 |
| Memoranda: | ||
| Average total assets | $82,721,000 | 4,923 |
| Average earning assets | $79,686,000 | 4,834 |
| Average equity | $8,631,330 | 5,032 |
| Average total loans | $58,816,670 | 4,494 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 1,090 |
| Cost of funding earning assets | 0.3636% | 3,709 |
| Net interest margin | 4.3077% | 863 |
| Noninterest income to average assets | 0.2336% | 5,292 |
| Noninterest expense to average assets | 3.4605% | 1,391 |
| Loan and lease loss provision to assets | 0.0389% | 3,130 |
| Net operating income to assets | 0.5354% | 4,525 |
| Return on assets (ROA) | 0.5354% | 4,641 |
| Pretax return on assets | 0.8858% | 3,943 |
| Return on Equity (ROE) | 5.1077% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.6003% | 4,380 |
| Net charge-offs to loans | -0.0137% | 4,872 |
| Credit loss provision to net charge-offs | -400.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9123% | 2,055 |
| Assets per employee ($millions) | 4.5607% | 2,952 |
| Cash dividends to net income (ytd only)* | 49.0909% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 5,370 |
| Loan loss allowance to noncurrent loans | 71.2021% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 2,793 |
| Noncurrent loans to loans | 1.2931% | 2,223 |
| Net loans and leases to total assets | 70.6540% | 2,046 |
| Net loans and leases to deposits | 79.7443% | 2,588 |
| Net loans and leases to core deposits | 88.8361% | 2,236 |
| Total domestic deposits to total assets | 88.6007% | 1,499 |
| Equity capital to assets | 10.4942% | 3,541 |
| Core capital (leverage) ratio | 10.7046% | 2,745 |
| Tier 1 risk-based capital ratio | 14.7570% | 3,572 |
| Total risk-based capital ratio | 15.6578% | 3,694 |
| Memoranda: | ||
| Average total assets | $82,185,000 | 4,981 |
| Average earning assets | $79,207,000 | 4,884 |
| Average equity | $8,614,500 | 5,075 |
| Average total loans | $58,182,500 | 4,537 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 1,226 |
| Cost of funding earning assets | 0.3372% | 4,398 |
| Net interest margin | 4.3981% | 890 |
| Noninterest income to average assets | 0.2736% | 5,163 |
| Noninterest expense to average assets | 3.3572% | 1,787 |
| Loan and lease loss provision to assets | 0.0562% | 3,427 |
| Net operating income to assets | 0.6659% | 4,059 |
| Return on assets (ROA) | 0.6659% | 4,156 |
| Pretax return on assets | 1.0970% | 3,094 |
| Return on Equity (ROE) | 6.4631% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.3839% | 2,345 |
| Net charge-offs to loans | 0.0035% | 4,889 |
| Credit loss provision to net charge-offs | 2,250.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 461.5000% | 111 |
| Efficiency ratio | 74.4321% | 2,760 |
| Assets per employee ($millions) | 4.8398% | 2,543 |
| Cash dividends to net income (ytd only)* | 16.6979% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 5,418 |
| Loan loss allowance to noncurrent loans | 70.9505% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 0.9079% | 2,942 |
| Noncurrent loans to loans | 1.2919% | 2,292 |
| Net loans and leases to total assets | 69.6355% | 2,287 |
| Net loans and leases to deposits | 78.3454% | 2,932 |
| Net loans and leases to core deposits | 87.5520% | 2,545 |
| Total domestic deposits to total assets | 88.8827% | 1,296 |
| Equity capital to assets | 10.4695% | 3,523 |
| Core capital (leverage) ratio | 10.6872% | 2,732 |
| Tier 1 risk-based capital ratio | 14.9543% | 3,512 |
| Total risk-based capital ratio | 15.8576% | 3,650 |
| Memoranda: | ||
| Average total assets | $80,038,000 | 5,060 |
| Average earning assets | $77,101,000 | 4,952 |
| Average equity | $8,246,800 | 5,138 |
| Average total loans | $56,599,000 | 4,596 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 1,187 |
| Cost of funding earning assets | 0.3276% | 4,587 |
| Net interest margin | 4.4243% | 857 |
| Noninterest income to average assets | 0.2734% | 5,253 |
| Noninterest expense to average assets | 3.3753% | 1,723 |
| Loan and lease loss provision to assets | 0.0671% | 3,008 |
| Net operating income to assets | 0.6626% | 4,143 |
| Return on assets (ROA) | 0.6626% | 4,244 |
| Pretax return on assets | 1.0904% | 3,228 |
| Return on Equity (ROE) | 6.4580% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.0029% | 3,079 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4634% | 2,745 |
| Assets per employee ($millions) | 4.7500% | 2,595 |
| Cash dividends to net income (ytd only)* | 22.5311% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 5,514 |
| Loan loss allowance to noncurrent loans | 76.4535% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 3,286 |
| Noncurrent loans to loans | 1.2095% | 2,625 |
| Net loans and leases to total assets | 69.7907% | 2,225 |
| Net loans and leases to deposits | 78.4607% | 2,900 |
| Net loans and leases to core deposits | 87.3425% | 2,500 |
| Total domestic deposits to total assets | 88.9498% | 1,265 |
| Equity capital to assets | 10.4359% | 3,641 |
| Core capital (leverage) ratio | 10.5420% | 2,996 |
| Tier 1 risk-based capital ratio | 15.1565% | 3,504 |
| Total risk-based capital ratio | 16.0816% | 3,622 |
| Memoranda: | ||
| Average total assets | $79,478,250 | 5,134 |
| Average earning assets | $76,514,250 | 5,025 |
| Average equity | $8,155,000 | 5,205 |
| Average total loans | $56,292,750 | 4,652 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 1,249 |
| Cost of funding earning assets | 0.3129% | 4,849 |
| Net interest margin | 4.4048% | 842 |
| Noninterest income to average assets | 0.2758% | 5,222 |
| Noninterest expense to average assets | 3.3622% | 1,777 |
| Loan and lease loss provision to assets | 0.0784% | 2,716 |
| Net operating income to assets | 0.6502% | 4,098 |
| Return on assets (ROA) | 0.6502% | 4,200 |
| Pretax return on assets | 1.0727% | 3,203 |
| Return on Equity (ROE) | 6.3737% | 3,954 |
| Retained earnings to average equity (ytd only) | 5.4065% | 2,695 |
| Net charge-offs to loans | -0.0036% | 5,123 |
| Credit loss provision to net charge-offs | -3,100.0000% | 5,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4955% | 2,892 |
| Assets per employee ($millions) | 4.8636% | 2,391 |
| Cash dividends to net income (ytd only)* | 15.1751% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 5,708 |
| Loan loss allowance to noncurrent loans | 117.1946% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 4,393 |
| Noncurrent loans to loans | 0.7728% | 3,772 |
| Net loans and leases to total assets | 68.5458% | 2,318 |
| Net loans and leases to deposits | 76.6489% | 2,972 |
| Net loans and leases to core deposits | 85.3616% | 2,573 |
| Total domestic deposits to total assets | 89.4282% | 1,139 |
| Equity capital to assets | 10.0893% | 3,991 |
| Core capital (leverage) ratio | 10.3219% | 3,181 |
| Tier 1 risk-based capital ratio | 14.8672% | 3,706 |
| Total risk-based capital ratio | 15.7701% | 3,856 |
| Memoranda: | ||
| Average total assets | $79,054,330 | 5,179 |
| Average earning assets | $76,053,670 | 5,072 |
| Average equity | $8,064,330 | 5,260 |
| Average total loans | $56,096,330 | 4,686 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7246% | 1,206 |
| Cost of funding earning assets | 0.3182% | 4,884 |
| Net interest margin | 4.4064% | 796 |
| Noninterest income to average assets | 0.2952% | 5,006 |
| Noninterest expense to average assets | 3.4541% | 1,583 |
| Loan and lease loss provision to assets | 0.1139% | 2,052 |
| Net operating income to assets | 0.5800% | 4,300 |
| Return on assets (ROA) | 0.5800% | 4,366 |
| Pretax return on assets | 0.9580% | 3,481 |
| Return on Equity (ROE) | 5.6526% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.6843% | 3,923 |
| Net charge-offs to loans | -0.0072% | 4,926 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 2,746 |
| Assets per employee ($millions) | 4.6846% | 2,675 |
| Cash dividends to net income (ytd only)* | 34.8214% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 5,866 |
| Loan loss allowance to noncurrent loans | 99.6086% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 4,214 |
| Noncurrent loans to loans | 0.9034% | 3,624 |
| Net loans and leases to total assets | 70.3851% | 1,819 |
| Net loans and leases to deposits | 78.8039% | 2,450 |
| Net loans and leases to core deposits | 87.7599% | 2,122 |
| Total domestic deposits to total assets | 89.3168% | 1,465 |
| Equity capital to assets | 10.1998% | 3,600 |
| Core capital (leverage) ratio | 10.4500% | 2,990 |
| Tier 1 risk-based capital ratio | 14.7934% | 3,820 |
| Total risk-based capital ratio | 15.6915% | 3,993 |
| Memoranda: | ||
| Average total assets | $77,240,500 | 5,273 |
| Average earning assets | $74,165,500 | 5,174 |
| Average equity | $7,925,500 | 5,323 |
| Average total loans | $55,548,000 | 4,743 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 1,366 |
| Cost of funding earning assets | 0.3635% | 5,016 |
| Net interest margin | 4.4178% | 883 |
| Noninterest income to average assets | 0.2985% | 5,216 |
| Noninterest expense to average assets | 3.5359% | 1,580 |
| Loan and lease loss provision to assets | 0.2306% | 1,568 |
| Net operating income to assets | 0.4638% | 4,893 |
| Return on assets (ROA) | 0.4638% | 5,028 |
| Pretax return on assets | 0.7597% | 4,301 |
| Return on Equity (ROE) | 4.5415% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.7716% | 3,520 |
| Net charge-offs to loans | 0.2070% | 2,806 |
| Credit loss provision to net charge-offs | 158.7156% | 1,442 |
| Earnings coverage of net charge-offs (x) | 6.8165% | 2,977 |
| Efficiency ratio | 78.1213% | 2,451 |
| Assets per employee ($millions) | 4.4025% | 3,081 |
| Cash dividends to net income (ytd only)* | 16.9540% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 5,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 72.2148% | 1,650 |
| Net loans and leases to deposits | 81.5164% | 2,249 |
| Net loans and leases to core deposits | 90.0633% | 2,015 |
| Total domestic deposits to total assets | 88.5893% | 1,861 |
| Equity capital to assets | 10.3258% | 3,370 |
| Core capital (leverage) ratio | 10.7011% | 2,679 |
| Tier 1 risk-based capital ratio | 14.7869% | 3,791 |
| Total risk-based capital ratio | 15.6516% | 3,958 |
| Memoranda: | ||
| Average total assets | $75,030,600 | 5,350 |
| Average earning assets | $71,800,600 | 5,262 |
| Average equity | $7,662,600 | 5,424 |
| Average total loans | $52,652,800 | 4,859 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 1,495 |
| Cost of funding earning assets | 0.3712% | 5,087 |
| Net interest margin | 4.3693% | 949 |
| Noninterest income to average assets | 0.2717% | 5,504 |
| Noninterest expense to average assets | 3.5163% | 1,580 |
| Loan and lease loss provision to assets | 0.2753% | 1,267 |
| Net operating income to assets | 0.4031% | 5,237 |
| Return on assets (ROA) | 0.4031% | 5,370 |
| Pretax return on assets | 0.6606% | 4,821 |
| Return on Equity (ROE) | 3.9583% | 5,238 |
| Retained earnings to average equity (ytd only) | 2.9294% | 4,574 |
| Net charge-offs to loans | 0.2504% | 2,313 |
| Credit loss provision to net charge-offs | 158.1633% | 1,494 |
| Earnings coverage of net charge-offs (x) | 5.3777% | 3,208 |
| Efficiency ratio | 78.9789% | 2,266 |
| Assets per employee ($millions) | 4.1419% | 3,555 |
| Cash dividends to net income (ytd only)* | 25.9896% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 70.9758% | 1,787 |
| Net loans and leases to deposits | 80.0617% | 2,401 |
| Net loans and leases to core deposits | 90.6841% | 1,905 |
| Total domestic deposits to total assets | 88.6513% | 1,750 |
| Equity capital to assets | 10.2408% | 3,589 |
| Core capital (leverage) ratio | 10.7213% | 2,766 |
| Tier 1 risk-based capital ratio | 14.9194% | 3,806 |
| Total risk-based capital ratio | 15.7920% | 4,001 |
| Memoranda: | ||
| Average total assets | $75,077,750 | 5,403 |
| Average earning assets | $71,832,750 | 5,307 |
| Average equity | $7,646,250 | 5,483 |
| Average total loans | $52,182,750 | 4,918 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 1,658 |
| Cost of funding earning assets | 0.3804% | 5,132 |
| Net interest margin | 4.2874% | 1,055 |
| Noninterest income to average assets | 0.2126% | 5,921 |
| Noninterest expense to average assets | 3.5215% | 1,557 |
| Loan and lease loss provision to assets | 0.3189% | 1,102 |
| Net operating income to assets | 0.2924% | 5,623 |
| Return on assets (ROA) | 0.2924% | 5,770 |
| Pretax return on assets | 0.4757% | 5,450 |
| Return on Equity (ROE) | 2.8758% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.0915% | 4,939 |
| Net charge-offs to loans | 0.3824% | 1,689 |
| Credit loss provision to net charge-offs | 121.2121% | 1,844 |
| Earnings coverage of net charge-offs (x) | 3.0202% | 3,524 |
| Efficiency ratio | 81.5887% | 1,949 |
| Assets per employee ($millions) | 4.3626% | 3,072 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 6,218 |
| Loan loss allowance to noncurrent loans | 42.4330% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 1.4077% | 2,993 |
| Noncurrent loans to loans | 2.0455% | 2,342 |
| Net loans and leases to total assets | 68.2195% | 2,193 |
| Net loans and leases to deposits | 76.8454% | 2,748 |
| Net loans and leases to core deposits | 86.6872% | 2,260 |
| Total domestic deposits to total assets | 88.7750% | 1,744 |
| Equity capital to assets | 10.2353% | 3,616 |
| Core capital (leverage) ratio | 10.5683% | 2,803 |
| Tier 1 risk-based capital ratio | 15.0543% | 3,746 |
| Total risk-based capital ratio | 15.8774% | 3,976 |
| Memoranda: | ||
| Average total assets | $75,252,000 | 5,432 |
| Average earning assets | $72,025,000 | 5,333 |
| Average equity | $7,650,000 | 5,526 |
| Average total loans | $51,778,670 | 4,958 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 1,782 |
| Cost of funding earning assets | 0.3809% | 5,275 |
| Net interest margin | 4.2345% | 1,109 |
| Noninterest income to average assets | 0.0686% | 6,676 |
| Noninterest expense to average assets | 3.4672% | 1,690 |
| Loan and lease loss provision to assets | 0.3430% | 968 |
| Net operating income to assets | 0.1900% | 5,922 |
| Return on assets (ROA) | 0.1900% | 6,034 |
| Pretax return on assets | 0.3061% | 5,836 |
| Return on Equity (ROE) | 1.8751% | 5,979 |
| Retained earnings to average equity (ytd only) | 0.3125% | 5,690 |
| Net charge-offs to loans | 0.0230% | 3,713 |
| Credit loss provision to net charge-offs | 2,166.6667% | 155 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 775 |
| Efficiency ratio | 84.2308% | 1,733 |
| Assets per employee ($millions) | 4.2543% | 3,428 |
| Cash dividends to net income (ytd only)* | 83.3333% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 6,163 |
| Loan loss allowance to noncurrent loans | 63.8999% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 3,943 |
| Noncurrent loans to loans | 1.4694% | 3,356 |
| Net loans and leases to total assets | 66.8216% | 2,224 |
| Net loans and leases to deposits | 75.1781% | 2,747 |
| Net loans and leases to core deposits | 84.4473% | 2,272 |
| Total domestic deposits to total assets | 88.8844% | 1,745 |
| Equity capital to assets | 10.1571% | 3,948 |
| Core capital (leverage) ratio | 10.5429% | 2,717 |
| Tier 1 risk-based capital ratio | 15.0472% | 3,804 |
| Total risk-based capital ratio | 15.9563% | 4,002 |
| Memoranda: | ||
| Average total assets | $75,795,500 | 5,464 |
| Average earning assets | $72,452,000 | 5,374 |
| Average equity | $7,679,500 | 5,587 |
| Average total loans | $52,149,000 | 4,977 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 2,095 |
| Cost of funding earning assets | 0.4562% | 5,532 |
| Net interest margin | 4.3726% | 1,223 |
| Noninterest income to average assets | 0.3200% | 5,171 |
| Noninterest expense to average assets | 3.5794% | 1,661 |
| Loan and lease loss provision to assets | 0.2968% | 2,305 |
| Net operating income to assets | 0.3776% | 5,193 |
| Return on assets (ROA) | 0.3785% | 5,419 |
| Pretax return on assets | 0.6208% | 4,926 |
| Return on Equity (ROE) | 3.6991% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.1136% | 4,046 |
| Net charge-offs to loans | 0.4027% | 2,646 |
| Credit loss provision to net charge-offs | 103.8095% | 2,881 |
| Earnings coverage of net charge-offs (x) | 3.2048% | 3,827 |
| Efficiency ratio | 79.6184% | 2,193 |
| Assets per employee ($millions) | 4.4126% | 3,120 |
| Cash dividends to net income (ytd only)* | 15.8273% | 3,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 6,479 |
| Loan loss allowance to noncurrent loans | 38.8991% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 1.5530% | 3,055 |
| Noncurrent loans to loans | 2.0706% | 2,614 |
| Net loans and leases to total assets | 69.6123% | 1,916 |
| Net loans and leases to deposits | 78.7189% | 2,436 |
| Net loans and leases to core deposits | 89.0668% | 1,957 |
| Total domestic deposits to total assets | 88.4315% | 1,944 |
| Equity capital to assets | 10.1061% | 4,029 |
| Core capital (leverage) ratio | 10.4800% | 2,792 |
| Tier 1 risk-based capital ratio | 14.8382% | 3,813 |
| Total risk-based capital ratio | 15.6223% | 4,069 |
| Memoranda: | ||
| Average total assets | $73,447,800 | 5,535 |
| Average earning assets | $70,140,600 | 5,430 |
| Average equity | $7,515,400 | 5,633 |
| Average total loans | $52,149,400 | 5,008 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 2,169 |
| Cost of funding earning assets | 0.4681% | 5,656 |
| Net interest margin | 4.3884% | 1,229 |
| Noninterest income to average assets | 0.3194% | 5,232 |
| Noninterest expense to average assets | 3.6537% | 1,448 |
| Loan and lease loss provision to assets | 0.2373% | 2,678 |
| Net operating income to assets | 0.3784% | 5,335 |
| Return on assets (ROA) | 0.3796% | 5,538 |
| Pretax return on assets | 0.6223% | 5,099 |
| Return on Equity (ROE) | 3.6982% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.9159% | 4,807 |
| Net charge-offs to loans | 0.3921% | 2,525 |
| Credit loss provision to net charge-offs | 84.9673% | 3,462 |
| Earnings coverage of net charge-offs (x) | 3.0720% | 3,798 |
| Efficiency ratio | 80.9871% | 1,941 |
| Assets per employee ($millions) | 4.7066% | 2,591 |
| Cash dividends to net income (ytd only)* | 21.1553% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7438% | 6,695 |
| Loan loss allowance to noncurrent loans | 40.9990% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3757% | 3,545 |
| Noncurrent loans to loans | 1.8141% | 3,058 |
| Net loans and leases to total assets | 69.8214% | 1,944 |
| Net loans and leases to deposits | 78.9249% | 2,540 |
| Net loans and leases to core deposits | 90.0649% | 1,974 |
| Total domestic deposits to total assets | 88.4656% | 1,742 |
| Equity capital to assets | 9.9847% | 4,517 |
| Core capital (leverage) ratio | 10.4746% | 2,945 |
| Tier 1 risk-based capital ratio | 14.8054% | 3,979 |
| Total risk-based capital ratio | 15.5390% | 4,296 |
| Memoranda: | ||
| Average total assets | $73,056,250 | 5,601 |
| Average earning assets | $69,787,750 | 5,495 |
| Average equity | $7,499,000 | 5,692 |
| Average total loans | $52,026,000 | 5,076 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 2,521 |
| Cost of funding earning assets | 0.4948% | 5,659 |
| Net interest margin | 4.3025% | 1,472 |
| Noninterest income to average assets | 0.3264% | 5,218 |
| Noninterest expense to average assets | 3.6760% | 1,422 |
| Loan and lease loss provision to assets | 0.1743% | 3,362 |
| Net operating income to assets | 0.3606% | 5,374 |
| Return on assets (ROA) | 0.3623% | 5,595 |
| Pretax return on assets | 0.5919% | 5,166 |
| Return on Equity (ROE) | 3.4969% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.9630% | 4,662 |
| Net charge-offs to loans | 0.2398% | 3,132 |
| Credit loss provision to net charge-offs | 101.6129% | 2,674 |
| Earnings coverage of net charge-offs (x) | 4.4516% | 3,077 |
| Efficiency ratio | 82.8037% | 1,774 |
| Assets per employee ($millions) | 4.0226% | 3,826 |
| Cash dividends to net income (ytd only)* | 15.2672% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7779% | 6,719 |
| Loan loss allowance to noncurrent loans | 36.6372% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 1.6642% | 3,222 |
| Noncurrent loans to loans | 2.1232% | 2,796 |
| Net loans and leases to total assets | 72.9318% | 1,402 |
| Net loans and leases to deposits | 82.6854% | 2,026 |
| Net loans and leases to core deposits | 94.4990% | 1,553 |
| Total domestic deposits to total assets | 88.2040% | 2,015 |
| Equity capital to assets | 10.2878% | 3,952 |
| Core capital (leverage) ratio | 10.7411% | 2,552 |
| Tier 1 risk-based capital ratio | 14.5069% | 4,099 |
| Total risk-based capital ratio | 15.2672% | 4,398 |
| Memoranda: | ||
| Average total assets | $72,306,670 | 5,656 |
| Average earning assets | $69,123,000 | 5,555 |
| Average equity | $7,492,330 | 5,714 |
| Average total loans | $51,710,330 | 5,115 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 2,676 |
| Cost of funding earning assets | 0.5028% | 5,797 |
| Net interest margin | 4.2882% | 1,509 |
| Noninterest income to average assets | 0.3266% | 5,253 |
| Noninterest expense to average assets | 3.6259% | 1,506 |
| Loan and lease loss provision to assets | 0.1218% | 3,822 |
| Net operating income to assets | 0.4172% | 5,185 |
| Return on assets (ROA) | 0.4207% | 5,354 |
| Pretax return on assets | 0.6920% | 4,822 |
| Return on Equity (ROE) | 4.0458% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.0343% | 4,736 |
| Net charge-offs to loans | 0.0628% | 3,869 |
| Credit loss provision to net charge-offs | 275.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,276 |
| Efficiency ratio | 81.7728% | 1,965 |
| Assets per employee ($millions) | 4.0442% | 3,912 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 6,677 |
| Loan loss allowance to noncurrent loans | 16.0517% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 3.8258% | 1,459 |
| Noncurrent loans to loans | 5.2030% | 1,054 |
| Net loans and leases to total assets | 70.9517% | 1,582 |
| Net loans and leases to deposits | 80.6376% | 2,115 |
| Net loans and leases to core deposits | 92.3459% | 1,617 |
| Total domestic deposits to total assets | 87.9884% | 2,327 |
| Equity capital to assets | 10.1475% | 3,922 |
| Core capital (leverage) ratio | 11.0468% | 2,219 |
| Tier 1 risk-based capital ratio | 14.6855% | 3,963 |
| Total risk-based capital ratio | 15.4998% | 4,254 |
| Memoranda: | ||
| Average total assets | $72,257,000 | 5,703 |
| Average earning assets | $69,212,500 | 5,592 |
| Average equity | $7,514,000 | 5,734 |
| Average total loans | $50,955,000 | 5,189 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 4,348 |
| Cost of funding earning assets | 0.6265% | 5,948 |
| Net interest margin | 4.0493% | 2,638 |
| Noninterest income to average assets | 0.4197% | 4,451 |
| Noninterest expense to average assets | 3.6933% | 1,549 |
| Loan and lease loss provision to assets | 0.3193% | 3,130 |
| Net operating income to assets | 0.1805% | 5,643 |
| Return on assets (ROA) | 0.2440% | 5,587 |
| Pretax return on assets | 0.3695% | 5,382 |
| Return on Equity (ROE) | 2.3226% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.1899% | 4,652 |
| Net charge-offs to loans | 0.1878% | 4,643 |
| Credit loss provision to net charge-offs | 248.9130% | 972 |
| Earnings coverage of net charge-offs (x) | 4.6196% | 3,045 |
| Efficiency ratio | 86.1744% | 1,542 |
| Assets per employee ($millions) | 4.2187% | 3,431 |
| Cash dividends to net income (ytd only)* | 5.7143% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 6,656 |
| Loan loss allowance to noncurrent loans | 21.2626% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 2.8654% | 2,106 |
| Noncurrent loans to loans | 3.9739% | 1,574 |
| Net loans and leases to total assets | 68.8865% | 2,227 |
| Net loans and leases to deposits | 78.3084% | 2,783 |
| Net loans and leases to core deposits | 88.8817% | 2,264 |
| Total domestic deposits to total assets | 87.9682% | 2,185 |
| Equity capital to assets | 10.6542% | 3,357 |
| Core capital (leverage) ratio | 10.8897% | 2,358 |
| Tier 1 risk-based capital ratio | 15.1844% | 3,525 |
| Total risk-based capital ratio | 16.0053% | 3,768 |
| Memoranda: | ||
| Average total assets | $71,724,000 | 5,701 |
| Average earning assets | $68,480,400 | 5,597 |
| Average equity | $7,534,600 | 5,704 |
| Average total loans | $48,984,800 | 5,301 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 4,441 |
| Cost of funding earning assets | 0.6492% | 6,038 |
| Net interest margin | 4.0549% | 2,673 |
| Noninterest income to average assets | 0.4275% | 4,456 |
| Noninterest expense to average assets | 3.7364% | 1,423 |
| Loan and lease loss provision to assets | 0.3922% | 2,505 |
| Net operating income to assets | 0.1080% | 5,947 |
| Return on assets (ROA) | 0.1877% | 5,862 |
| Pretax return on assets | 0.2863% | 5,733 |
| Return on Equity (ROE) | 1.7936% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.6160% | 5,330 |
| Net charge-offs to loans | 0.2488% | 3,875 |
| Credit loss provision to net charge-offs | 231.8681% | 1,226 |
| Earnings coverage of net charge-offs (x) | 3.2967% | 3,495 |
| Efficiency ratio | 87.0130% | 1,435 |
| Assets per employee ($millions) | 3.8778% | 4,125 |
| Cash dividends to net income (ytd only)* | 9.8990% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 6,756 |
| Loan loss allowance to noncurrent loans | 66.2295% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2808% | 4,245 |
| Noncurrent loans to loans | 1.2552% | 4,439 |
| Net loans and leases to total assets | 69.0444% | 2,265 |
| Net loans and leases to deposits | 79.0218% | 2,808 |
| Net loans and leases to core deposits | 90.0063% | 2,248 |
| Total domestic deposits to total assets | 87.3739% | 2,422 |
| Equity capital to assets | 10.8524% | 3,286 |
| Core capital (leverage) ratio | 10.8678% | 2,505 |
| Tier 1 risk-based capital ratio | 15.4507% | 3,412 |
| Total risk-based capital ratio | 16.2600% | 3,622 |
| Memoranda: | ||
| Average total assets | $71,725,500 | 5,739 |
| Average earning assets | $68,392,250 | 5,637 |
| Average equity | $7,508,000 | 5,744 |
| Average total loans | $48,774,750 | 5,358 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 4,425 |
| Cost of funding earning assets | 0.6583% | 6,181 |
| Net interest margin | 4.0657% | 2,547 |
| Noninterest income to average assets | 0.4477% | 4,301 |
| Noninterest expense to average assets | 3.7641% | 1,413 |
| Loan and lease loss provision to assets | 0.5334% | 1,827 |
| Net operating income to assets | 0.0180% | 6,196 |
| Return on assets (ROA) | 0.1437% | 5,997 |
| Pretax return on assets | 0.2045% | 5,928 |
| Return on Equity (ROE) | 1.3893% | 5,981 |
| Retained earnings to average equity (ytd only) | 1.3893% | 5,296 |
| Net charge-offs to loans | 0.3399% | 3,207 |
| Credit loss provision to net charge-offs | 232.5301% | 1,292 |
| Earnings coverage of net charge-offs (x) | 2.4337% | 3,600 |
| Efficiency ratio | 87.0844% | 1,505 |
| Assets per employee ($millions) | 3.5715% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 6,814 |
| Loan loss allowance to noncurrent loans | 62.9393% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1704% | 4,549 |
| Noncurrent loans to loans | 1.3200% | 4,442 |
| Net loans and leases to total assets | 65.8435% | 3,063 |
| Net loans and leases to deposits | 75.1430% | 3,628 |
| Net loans and leases to core deposits | 86.0383% | 2,900 |
| Total domestic deposits to total assets | 87.6242% | 2,385 |
| Equity capital to assets | 10.5460% | 3,450 |
| Core capital (leverage) ratio | 10.5385% | 2,675 |
| Tier 1 risk-based capital ratio | 15.4908% | 3,247 |
| Total risk-based capital ratio | 16.2862% | 3,446 |
| Memoranda: | ||
| Average total assets | $72,367,330 | 5,769 |
| Average earning assets | $68,966,670 | 5,661 |
| Average equity | $7,485,670 | 5,776 |
| Average total loans | $48,834,000 | 5,402 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 4,114 |
| Cost of funding earning assets | 0.6633% | 6,329 |
| Net interest margin | 4.1237% | 2,175 |
| Noninterest income to average assets | 0.4723% | 4,103 |
| Noninterest expense to average assets | 3.8388% | 1,274 |
| Loan and lease loss provision to assets | 0.6316% | 1,368 |
| Net operating income to assets | -0.0330% | 6,392 |
| Return on assets (ROA) | -0.0330% | 6,414 |
| Pretax return on assets | -0.0714% | 6,426 |
| Return on Equity (ROE) | -0.3216% | 6,414 |
| Retained earnings to average equity (ytd only) | -0.3216% | 5,850 |
| Net charge-offs to loans | -0.0081% | 6,310 |
| Credit loss provision to net charge-offs | -11,500.0000% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2659% | 1,594 |
| Assets per employee ($millions) | 3.4806% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8198% | 6,877 |
| Loan loss allowance to noncurrent loans | 135.5932% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6909% | 5,562 |
| Noncurrent loans to loans | 0.6046% | 5,824 |
| Net loans and leases to total assets | 66.2061% | 2,953 |
| Net loans and leases to deposits | 77.6521% | 3,128 |
| Net loans and leases to core deposits | 89.4641% | 2,414 |
| Total domestic deposits to total assets | 85.2599% | 3,913 |
| Equity capital to assets | 10.2171% | 3,516 |
| Core capital (leverage) ratio | 10.4865% | 2,627 |
| Tier 1 risk-based capital ratio | 15.1342% | 3,353 |
| Total risk-based capital ratio | 15.9291% | 3,582 |
| Memoranda: | ||
| Average total assets | $72,836,000 | 5,794 |
| Average earning assets | $69,355,000 | 5,692 |
| Average equity | $7,462,000 | 5,787 |
| Average total loans | $49,538,000 | 5,415 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 5,500 |
| Cost of funding earning assets | 1.0865% | 5,210 |
| Net interest margin | 3.6904% | 4,385 |
| Noninterest income to average assets | 0.4199% | 4,744 |
| Noninterest expense to average assets | 3.7146% | 1,670 |
| Loan and lease loss provision to assets | 0.3970% | 3,735 |
| Net operating income to assets | -0.1022% | 5,995 |
| Return on assets (ROA) | -0.0608% | 6,021 |
| Pretax return on assets | -0.1229% | 6,016 |
| Return on Equity (ROE) | -0.5989% | 6,027 |
| Retained earnings to average equity (ytd only) | -0.9982% | 5,805 |
| Net charge-offs to loans | 1.0004% | 2,191 |
| Credit loss provision to net charge-offs | 58.4493% | 6,107 |
| Earnings coverage of net charge-offs (x) | 0.3082% | 5,799 |
| Efficiency ratio | 94.6662% | 1,027 |
| Assets per employee ($millions) | 3.4561% | 5,037 |
| Cash dividends to net income (ytd only)* | -66.6667% | 7,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 7,305 |
| Loan loss allowance to noncurrent loans | 95.9459% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 5,610 |
| Noncurrent loans to loans | 0.5887% | 5,869 |
| Net loans and leases to total assets | 68.8905% | 2,772 |
| Net loans and leases to deposits | 81.6700% | 2,872 |
| Net loans and leases to core deposits | 94.2898% | 2,225 |
| Total domestic deposits to total assets | 84.3522% | 4,199 |
| Equity capital to assets | 10.2729% | 3,414 |
| Core capital (leverage) ratio | 10.1598% | 2,916 |
| Tier 1 risk-based capital ratio | 14.9504% | 3,278 |
| Total risk-based capital ratio | 15.5074% | 3,662 |
| Memoranda: | ||
| Average total assets | $74,058,200 | 5,763 |
| Average earning assets | $70,317,400 | 5,660 |
| Average equity | $7,513,800 | 5,870 |
| Average total loans | $50,280,600 | 5,474 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 5,697 |
| Cost of funding earning assets | 1.1420% | 5,190 |
| Net interest margin | 3.6506% | 4,634 |
| Noninterest income to average assets | 0.4264% | 4,750 |
| Noninterest expense to average assets | 3.6527% | 1,666 |
| Loan and lease loss provision to assets | 0.2024% | 5,026 |
| Net operating income to assets | 0.0249% | 5,945 |
| Return on assets (ROA) | 0.0842% | 5,950 |
| Pretax return on assets | 0.1218% | 5,880 |
| Return on Equity (ROE) | 0.8325% | 5,935 |
| Retained earnings to average equity (ytd only) | 0.3011% | 5,666 |
| Net charge-offs to loans | 0.6311% | 2,856 |
| Credit loss provision to net charge-offs | 47.4790% | 5,922 |
| Earnings coverage of net charge-offs (x) | 0.5588% | 5,461 |
| Efficiency ratio | 93.8766% | 1,005 |
| Assets per employee ($millions) | 3.6221% | 4,683 |
| Cash dividends to net income (ytd only)* | 63.8264% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7424% | 7,123 |
| Loan loss allowance to noncurrent loans | 33.1830% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 1.7340% | 3,840 |
| Noncurrent loans to loans | 2.2372% | 3,407 |
| Net loans and leases to total assets | 64.6855% | 3,974 |
| Net loans and leases to deposits | 73.8429% | 4,543 |
| Net loans and leases to core deposits | 91.6974% | 2,851 |
| Total domestic deposits to total assets | 87.5988% | 2,211 |
| Equity capital to assets | 10.0716% | 4,064 |
| Core capital (leverage) ratio | 10.1569% | 3,089 |
| Tier 1 risk-based capital ratio | 14.8036% | 3,341 |
| Total risk-based capital ratio | 15.5098% | 3,618 |
| Memoranda: | ||
| Average total assets | $74,428,000 | 5,820 |
| Average earning assets | $70,635,250 | 5,717 |
| Average equity | $7,528,250 | 5,935 |
| Average total loans | $50,279,750 | 5,559 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 5,170 |
| Cost of funding earning assets | 1.1694% | 5,290 |
| Net interest margin | 3.7825% | 3,978 |
| Noninterest income to average assets | 0.4575% | 4,460 |
| Noninterest expense to average assets | 3.7682% | 1,420 |
| Loan and lease loss provision to assets | 0.2463% | 4,467 |
| Net operating income to assets | 0.0172% | 6,056 |
| Return on assets (ROA) | 0.1056% | 5,966 |
| Pretax return on assets | 0.1543% | 5,875 |
| Return on Equity (ROE) | 1.0422% | 5,944 |
| Retained earnings to average equity (ytd only) | 0.6414% | 5,509 |
| Net charge-offs to loans | 0.9700% | 1,909 |
| Credit loss provision to net charge-offs | 37.1429% | 5,648 |
| Earnings coverage of net charge-offs (x) | 0.4082% | 5,321 |
| Efficiency ratio | 93.2976% | 1,105 |
| Assets per employee ($millions) | 3.9794% | 3,809 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 7,288 |
| Loan loss allowance to noncurrent loans | 40.3571% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 1.3887% | 4,398 |
| Noncurrent loans to loans | 1.6835% | 4,169 |
| Net loans and leases to total assets | 65.5460% | 3,932 |
| Net loans and leases to deposits | 74.3522% | 4,623 |
| Net loans and leases to core deposits | 92.2232% | 2,954 |
| Total domestic deposits to total assets | 88.1560% | 1,924 |
| Equity capital to assets | 10.1140% | 3,873 |
| Core capital (leverage) ratio | 10.2045% | 2,935 |
| Tier 1 risk-based capital ratio | 14.9164% | 3,199 |
| Total risk-based capital ratio | 15.5714% | 3,502 |
| Memoranda: | ||
| Average total assets | $73,882,330 | 5,872 |
| Average earning assets | $69,953,000 | 5,775 |
| Average equity | $7,484,000 | 5,976 |
| Average total loans | $50,516,000 | 5,581 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 4,449 |
| Cost of funding earning assets | 1.1559% | 5,626 |
| Net interest margin | 3.9613% | 3,045 |
| Noninterest income to average assets | 0.4602% | 4,383 |
| Noninterest expense to average assets | 3.8510% | 1,242 |
| Loan and lease loss provision to assets | 0.1369% | 5,194 |
| Net operating income to assets | 0.1369% | 5,897 |
| Return on assets (ROA) | 0.1369% | 6,023 |
| Pretax return on assets | 0.2082% | 5,855 |
| Return on Equity (ROE) | 1.3509% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.5404% | 5,611 |
| Net charge-offs to loans | 0.1653% | 3,933 |
| Credit loss provision to net charge-offs | 119.0476% | 2,927 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,051 |
| Efficiency ratio | 91.7755% | 1,295 |
| Assets per employee ($millions) | 3.8933% | 4,114 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 6,532 |
| Loan loss allowance to noncurrent loans | 45.6801% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 1.8237% | 3,751 |
| Noncurrent loans to loans | 2.1600% | 3,578 |
| Net loans and leases to total assets | 67.4215% | 3,523 |
| Net loans and leases to deposits | 76.7454% | 4,274 |
| Net loans and leases to core deposits | 94.4529% | 2,776 |
| Total domestic deposits to total assets | 87.8508% | 2,140 |
| Equity capital to assets | 10.0241% | 3,836 |
| Core capital (leverage) ratio | 10.6352% | 2,510 |
| Tier 1 risk-based capital ratio | 15.0809% | 3,075 |
| Total risk-based capital ratio | 16.0533% | 3,163 |
| Memoranda: | ||
| Average total assets | $73,019,500 | 5,964 |
| Average earning assets | $68,865,500 | 5,880 |
| Average equity | $7,402,500 | 6,054 |
| Average total loans | $50,825,500 | 5,635 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3871% | 4,754 |
| Cost of funding earning assets | 1.4085% | 5,897 |
| Net interest margin | 3.9786% | 2,949 |
| Noninterest income to average assets | 0.2905% | 6,030 |
| Noninterest expense to average assets | 3.6558% | 2,015 |
| Loan and lease loss provision to assets | 0.4775% | 3,971 |
| Net operating income to assets | -0.1683% | 5,794 |
| Return on assets (ROA) | 0.1506% | 5,116 |
| Pretax return on assets | 0.1762% | 5,057 |
| Return on Equity (ROE) | 1.4962% | 5,093 |
| Retained earnings to average equity (ytd only) | 0.6279% | 4,558 |
| Net charge-offs to loans | 0.2819% | 4,868 |
| Credit loss provision to net charge-offs | 239.8649% | 1,498 |
| Earnings coverage of net charge-offs (x) | 1.3986% | 4,733 |
| Efficiency ratio | 92.9231% | 1,489 |
| Assets per employee ($millions) | 3.6034% | 4,775 |
| Cash dividends to net income (ytd only)* | 58.0357% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 6,575 |
| Loan loss allowance to noncurrent loans | 172.9825% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 2.2521% | 3,064 |
| Noncurrent loans to loans | 0.5558% | 6,134 |
| Net loans and leases to total assets | 70.4733% | 3,137 |
| Net loans and leases to deposits | 80.4040% | 3,912 |
| Net loans and leases to core deposits | 124.3524% | 1,615 |
| Total domestic deposits to total assets | 87.6490% | 2,147 |
| Equity capital to assets | 10.2543% | 3,452 |
| Core capital (leverage) ratio | 10.5208% | 2,587 |
| Tier 1 risk-based capital ratio | 14.1315% | 3,418 |
| Total risk-based capital ratio | 15.0365% | 3,571 |
| Memoranda: | ||
| Average total assets | $74,346,600 | 5,882 |
| Average earning assets | $68,088,800 | 5,866 |
| Average equity | $7,485,600 | 6,097 |
| Average total loans | $52,496,600 | 5,566 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 5,141 |
| Cost of funding earning assets | 1.4726% | 5,945 |
| Net interest margin | 3.8847% | 3,285 |
| Noninterest income to average assets | 0.3275% | 5,864 |
| Noninterest expense to average assets | 3.6537% | 1,915 |
| Loan and lease loss provision to assets | 0.5873% | 3,036 |
| Net operating income to assets | -0.3684% | 6,280 |
| Return on assets (ROA) | 0.1281% | 5,448 |
| Pretax return on assets | 0.1228% | 5,476 |
| Return on Equity (ROE) | 1.2784% | 5,410 |
| Retained earnings to average equity (ytd only) | 0.1242% | 5,148 |
| Net charge-offs to loans | 0.2702% | 4,350 |
| Credit loss provision to net charge-offs | 308.4112% | 1,337 |
| Earnings coverage of net charge-offs (x) | 1.1215% | 4,939 |
| Efficiency ratio | 94.4777% | 1,371 |
| Assets per employee ($millions) | 3.6811% | 4,475 |
| Cash dividends to net income (ytd only)* | 90.2708% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,480 |
| Loan loss allowance to noncurrent loans | 29.9941% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 4.1482% | 1,517 |
| Noncurrent loans to loans | 3.2056% | 2,362 |
| Net loans and leases to total assets | 71.2138% | 3,219 |
| Net loans and leases to deposits | 81.2563% | 4,159 |
| Net loans and leases to core deposits | 110.4792% | 3,181 |
| Total domestic deposits to total assets | 87.6409% | 1,830 |
| Equity capital to assets | 10.0541% | 4,020 |
| Core capital (leverage) ratio | 9.8860% | 3,418 |
| Tier 1 risk-based capital ratio | 13.5768% | 3,791 |
| Total risk-based capital ratio | 14.4792% | 3,976 |
| Memoranda: | ||
| Average total assets | $74,916,500 | 5,910 |
| Average earning assets | $68,266,000 | 5,901 |
| Average equity | $7,509,500 | 6,142 |
| Average total loans | $52,800,500 | 5,603 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3479% | 5,407 |
| Cost of funding earning assets | 1.5238% | 6,047 |
| Net interest margin | 3.8241% | 3,443 |
| Noninterest income to average assets | 0.2973% | 6,133 |
| Noninterest expense to average assets | 3.5568% | 2,169 |
| Loan and lease loss provision to assets | 0.5309% | 2,901 |
| Net operating income to assets | -0.3089% | 6,331 |
| Return on assets (ROA) | 0.1646% | 5,473 |
| Pretax return on assets | 0.1805% | 5,511 |
| Return on Equity (ROE) | 1.6434% | 5,423 |
| Retained earnings to average equity (ytd only) | 0.4771% | 5,020 |
| Net charge-offs to loans | 0.0872% | 5,331 |
| Credit loss provision to net charge-offs | 869.5652% | 549 |
| Earnings coverage of net charge-offs (x) | 3.1304% | 3,560 |
| Efficiency ratio | 94.9008% | 1,449 |
| Assets per employee ($millions) | 3.5386% | 4,711 |
| Cash dividends to net income (ytd only)* | 70.9677% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 6,894 |
| Loan loss allowance to noncurrent loans | 19.1243% | 7,177 |
| Noncurrent assets plus other real estate owned to assets | 3.8649% | 1,561 |
| Noncurrent loans to loans | 4.5597% | 1,407 |
| Net loans and leases to total assets | 70.8290% | 3,507 |
| Net loans and leases to deposits | 80.5858% | 4,461 |
| Net loans and leases to core deposits | 108.5284% | 3,550 |
| Total domestic deposits to total assets | 87.8926% | 1,821 |
| Equity capital to assets | 10.0848% | 3,834 |
| Core capital (leverage) ratio | 10.1174% | 3,172 |
| Tier 1 risk-based capital ratio | 13.4038% | 3,862 |
| Total risk-based capital ratio | 14.2131% | 4,090 |
| Memoranda: | ||
| Average total assets | $75,348,000 | 5,938 |
| Average earning assets | $67,989,000 | 5,951 |
| Average equity | $7,545,330 | 6,165 |
| Average total loans | $52,754,670 | 5,646 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4021% | 5,417 |
| Cost of funding earning assets | 1.4875% | 6,443 |
| Net interest margin | 3.9146% | 2,992 |
| Noninterest income to average assets | 0.2689% | 6,287 |
| Noninterest expense to average assets | 3.5694% | 1,934 |
| Loan and lease loss provision to assets | 0.8963% | 1,461 |
| Net operating income to assets | -0.6620% | 7,018 |
| Return on assets (ROA) | 0.2267% | 5,732 |
| Pretax return on assets | 0.2636% | 5,777 |
| Return on Equity (ROE) | 2.2718% | 5,677 |
| Retained earnings to average equity (ytd only) | -0.0528% | 5,662 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5763% | 1,291 |
| Assets per employee ($millions) | 3.7619% | 4,200 |
| Cash dividends to net income (ytd only)* | 102.3256% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8659% | 6,892 |
| Loan loss allowance to noncurrent loans | 19.5038% | 7,193 |
| Noncurrent assets plus other real estate owned to assets | 3.7069% | 1,427 |
| Noncurrent loans to loans | 4.4399% | 1,301 |
| Net loans and leases to total assets | 69.3838% | 3,823 |
| Net loans and leases to deposits | 78.6901% | 4,816 |
| Net loans and leases to core deposits | 102.5821% | 4,282 |
| Total domestic deposits to total assets | 88.1735% | 1,665 |
| Equity capital to assets | 10.0215% | 3,981 |
| Core capital (leverage) ratio | 10.1347% | 3,256 |
| Tier 1 risk-based capital ratio | 13.1087% | 4,114 |
| Total risk-based capital ratio | 13.8901% | 4,362 |
| Memoranda: | ||
| Average total assets | $75,867,000 | 5,949 |
| Average earning assets | $66,418,500 | 6,024 |
| Average equity | $7,571,000 | 6,200 |
| Average total loans | $52,584,000 | 5,686 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4057% | 3,389 |
| Cost of funding earning assets | 2.2483% | 5,375 |
| Net interest margin | 4.1573% | 2,476 |
| Noninterest income to average assets | 0.3747% | 5,697 |
| Noninterest expense to average assets | 3.5120% | 2,362 |
| Loan and lease loss provision to assets | 0.1078% | 5,994 |
| Net operating income to assets | 0.4124% | 5,105 |
| Return on assets (ROA) | 0.4124% | 4,918 |
| Pretax return on assets | 0.5849% | 4,739 |
| Return on Equity (ROE) | 4.0545% | 4,802 |
| Retained earnings to average equity (ytd only) | 2.7295% | 3,482 |
| Net charge-offs to loans | 0.2039% | 4,165 |
| Credit loss provision to net charge-offs | 80.0000% | 5,900 |
| Earnings coverage of net charge-offs (x) | 5.1400% | 3,742 |
| Efficiency ratio | 83.5256% | 2,110 |
| Assets per employee ($millions) | 4.2498% | 3,034 |
| Cash dividends to net income (ytd only)* | 32.6797% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 7,773 |
| Loan loss allowance to noncurrent loans | 188.1579% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 4,621 |
| Noncurrent loans to loans | 0.2895% | 6,510 |
| Net loans and leases to total assets | 68.2689% | 4,415 |
| Net loans and leases to deposits | 80.3938% | 4,977 |
| Net loans and leases to core deposits | 100.8809% | 4,737 |
| Total domestic deposits to total assets | 84.9182% | 2,879 |
| Equity capital to assets | 9.9378% | 4,115 |
| Core capital (leverage) ratio | 10.1859% | 3,285 |
| Tier 1 risk-based capital ratio | 13.3939% | 3,876 |
| Total risk-based capital ratio | 13.8946% | 4,246 |
| Memoranda: | ||
| Average total assets | $74,202,000 | 5,908 |
| Average earning assets | $68,361,400 | 5,879 |
| Average equity | $7,547,200 | 6,261 |
| Average total loans | $49,050,800 | 5,741 |